Many of us spend more time and money repairing our old cars rather than if we just had one low payment for a reliable automobile that we could safely navigate the highways with. We could go on and on about the discomfort and indignities that arise out of bad credit; each person will have a personal story about how the lack of credit ultimately stole an opportunity from them. Some people have resigned themselves to this plight and don't even seek credit or opportunity anymore.

Unfortunately, our society has created somewhat of a class system around credit, where the "credit unworthy" are restricted to a lower station- "the haves versus the have-nots". While this might seem harsh, we could probably all accept discrimination between those that are credit worthy and those that are not, if only the discrimination was fair and accurate. Yet, a large percentage of those tagged as "credit unworthy" are truly responsible citizens who have suffered financial hardship or have been caught in the crossfire of a recessionary economy, or the loss of a job.

The good news is you can do something about it! You don't have to live with bad credit!