Get credit reports online. Cut your bills in half. Guaranteed at least 2 unsecured cards. U nfortunately, most of us are completely unaware of them. These damaging marks can prevent consumers from obtaining credit when they need it most.
Good credit makes life easier.
You can't finance a car, lease an apartment, make a hotel or airline reservation, rent a car, get a loan, or buy your own home without good credit. I'll never be able to establish good credit, because no one will give me credit in the first place. If I'm ever going to get credit, I will have to have a co-signer. Since I have bad credit now, I can't get credit for at least 7 more years. I have no credit, so if I want a credit card, I have to put up a big deposit.