Your credit score is one of the most important numbers in your life. If you have a good credit, you're more likely to be approved for loans and other finacial services that require it. A bad credit can affect your ability to get a loan, buy a house or rent an apartment. You may even find yourself with higher car insurance rates if you are deemed high risk by insurers because of poor credit scores. So, fix your credit is most important task for your bright financial future.