Everyone knows that bad credit can be a source of tremendous stress for those unfortunate enough to have it. It can make it impossible to get a loan, an apartment, a car, a phone, and even in some cases, a job. Our credit rating is essentially the gauge society uses to determine our credibility. While, it may not always be an accurate indicator of overall financial reliability, it is the system we have in place, and to ignore it is foolish. Bad credit offers a whole host of fees and additional charges that go with it. This can make the hole one is in feel even deeper.read more