We use credit for so many things these days. From buying a car, a house, credit cards, personal loans among other forms of credit. Anything other than a clean credit rating can not only make your interest rates higher when you are extended credit but can also prevent you from getting approved altogether.
For anyone with less than perfect credit, they should look into credit repair services. They can help with credit repair so you can get approved when you apply for credit and assure you get the best terms and interests rates you can. To learn more about the details, check out this website, repairyourbadcredit.com.