Do you think credit is so important in my life?

I totally agree that there should be laws to help you with your credit but in fact it is quite the opposite. The government will give you loans right after highschool so you can go to college and start a career. That basically sets the tone for the next 5-30 years. So by the time you are actually able to use your credit you are almost encouraged to get in debt. I was not raised that credit was important infact never even knew what it meant til I started wanting to buy a house last year. I have horrible credit because I wasn't educated on how important it would be in your life. My parents didn't pay bills and we moved all the time so my example was you can do whatever you want with your money and will still be able to get nice houses and cars because we always did. Didn't realize that was only by the grace of God because in real life credit totally matters. I will train and educate my children heavily on the importance of it but I do wish that there could be non-invasive legal matters taken, or at least some free education sent in the mail or something. I'm a little convinced the government wants us to be in debt though so I don't know what we can do. Maybe start a blog. The thing is that eventually most people will realize how important it is. It just sucks that it's usually too late.

Hi Life is not always as we think. Everyone has to struggle for sometime with finance probelms.Credit is not odd thing now a days. See for instance with advent of credit cards employees can stay a month head for their urgent needs. But we shall always keep in mind while taking credit that whether we are capable of return back in the presumed time! Have a nice day. Bye.

I do think that having credit is important, but I don't think that it needs to be something that you rely on. My husband and I were once overextended on our use of credit, but we've made changes in our lives where we now don't rely on credit at all. We are currently paying off all of our past credit card debt and we've not used a credit card for anything since September of 2009, not a really long time, but it is long enough that we are able to have learned that we don't have to rely on credit. We do, however, know that it will be important to build up good credit again in the future so that we will be able to eventually buy a nicer house and also a new car.