Easy Credit

In many cases credit scores are important if you want to finance a home or car. If you have a good credit score you will receive a lower interest rate. The problem is that if you finance a home or car that is too expensive even with a good interest rate, you will not be able to save any money. In many cases if you cannot pay for an item with cash, then you should probably not buy that item. The availability of easy and cheap credit is a big problem for most people if you get yourself leveraged with huge monthly home or car payments.