I like to think of myself as well versed on the subject of finance, as such I teach people on the ins and outs of bad credit. You see credit scores dictate on whether you get credit or not, how much credit you get and the level of interest you pay on it. so before you apply for a credit card or a loan, its important to know your credit, that will give you an idea of whether you could get a good deal somewhere else. Lenders have all the information and if you don’t take action to get that information, you don’t get a good deal.