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22 • Why do I need to establish
or re-establish my credit history?

you may never know

Your credit report is used against you in many ways beyond just getting approval for more credit. Having no credit history or having less than average credit history on file can force you to endure invisible challenges in your life when applying for a job, rental accommodations, phone, utilities, or even automobile insurance premiums can be quoted 20-30% higher to you than other people. It is important to re-establish your credit because it affects your life in hidden ways but if you don't when it comes time to purchase big ticket items such as vehicles or houses you will be turned down or your interest cost will be substantially higher than if you had created a good credit history.

You get credit education and guidance with Programs to Fix Your Credit!