No one benefits from bad credit. Credit bureaus encourage consumers to repair bad credit.
Good credit benefits everyone in the credit reporting process.
As a consumer whose payment patterns are detailed in credit reports, you expect to be rewarded for your responsible use of credit with new financial opportunities. Repairing your credit helps you get the credit you've earned and deserve. Bad credit can prevent that from happening. Review your credit report carefully. Look for any inaccuracies and negative information.