The lack of knowledge when discussing the word “credit” can be terrifying. Because credit affects so many aspects of our lives, not having the proper credit education can make issues involving credit frightening for most. Some people do not know that having bad credit affects all points of their lives. This, in turn, causes people to go to great lengths to avoid being embarrassed by their credit (i.e. going to “buy here, pay here” car lots, calling utility companies that offer low quality services, or renting furniture and/or appliances versus buying them out right.)