Most people realize that for some reason bad credit is bad. Its a little like bad cholesterol, most people understand that there is a good and a bad, but don't necessarily understand the difference between the two. But this ignorance is killing the nation. Our economy is in a state where the average individual suffers from a bad credit score, which means the average individual is in danger of becoming homeless, car-less, and jobless. Didn't know your credit score had that much impact on your life. Well it does, and just like America's silent killer, it is not something to avoid. You need to start taking action today. If your credit is in a state of ill-repair, don't delay, start taking control of your credit score, and go to TopFico.com, where your best interests are the matter at hand. 

Perhaps you don't understand why it is important to repair your credit score. A lot of people don't understand the importance of having good credit. The truth of the matter is, your credit score will show up in every transaction you try to make. Getting a loan for a car or home is one thing. Its harder and less likely when you have a poor credit score, sometimes if your score is bad enough you can't get approved for a loan. But these days, if you have a bad credit report, you might not even be able to be employed, most prospective employers have gotten into the habit of reviewing credit histories and scores before hiring and if you don't have a score that will back you up. You don't have much of anything. 

Heres a few MAJOR reasons you really want to repair your credit:

~You will be able to stop paying in cash for everything again. With bad credit you can't even get a credit card, and that means if you're going to go to the grocery store, buy gas or go shopping with friends you have to have enough cash on hand to cover your tail. It doesn't seem like a big problem, until you are renting a car, or buying a TV... you get the picture.

~You will stop being harassed by debt collectors. Repairing your credit means debt elimination. Until you face your credit score, and start to take action, you will have to put up with debt collectors. There is no other way to get rid of the debt collectors until you get rid of the debt.

~ As you start to show a more responsible nature your creditors will want to offer you more privileges so as you pay your bill on time, your creditors will increase your limit. And if you have healthy habits, having a higher credit limit makes for having more ability to purchase and pay for your needs, minus stress.

~You will be able to save money on interest, if you credit score is bad, your interest will be even worse. No one overlooks bad credit when it comes to loans or even credit cards. If you can be trusted to be responsible and prompt, you will me trusted with more leniency on time and less interest on that time.

~Finally if you start to change the way your credit history looks, you begin to take action and form good habits, you won't have to be afraid of having someone look at it, or even looking at it yourself. You will be confident you have a healthy score, and you won't be afraid to use it to your advantage. When is feeling good about yourself not an awesome thing? 

Credit can be tricky, but it is important to understand. And if you have a bad credit score, it can be daunting that is for sure. But TopFico believes that the answer to this problem, is educating credit holders, with understanding comes the ability do better for yourself. So TopFico has a two fold mission, first to help you repair your fallen credit score, second to educate you so that you can keep it healthy, and continue with a healthy credit score into the future. If you don't even know how your credit score works, here's a quick run down-  

There are three large credit bureaus, which are king, and over time they have adopted a scoring system called a FICO score. This score is a numerical evaluation, as they would say, of your credit health. So it is supposed to help lenders and employers understand your own responsibility with your credit. Using your credit history, the amount you currently owe, the length of your credit history, the type of credit you use, and the new credit you have obtained, is all taken into account, added together and measured out into a percentage and a number. So if your credit score is 800 (which is incredible) then you are in the 92 percentile and only 8 percent of the population has a higher credit score than you do. The higher your score the lower your delinquency rate, or the chances that you will default on a loan, or fail to pay a bill.  

As you can see there is a lot that is determined by your credit history and your score, and if you don't have a healthy one- you need to get one. So don't wait around, there isn't time to spare really, go to the ally that will help you to protect yourself, TopFico, credit repair and counsel.