Having good credit matters – it’s a fact of life. If you have less than perfect credit however, take heart. We all struggle with our finances from time to time, and it is never too late to establish a positive credit history. Do not wait until you get turned down for a credit card before deciding credit management is important to you. The truth is there are much more important reasons why you should know what your credit report looks like and how your FICO score rates.

Vivix Credit Solutions can help you accomplish the following if your credit needs help:

The most important reason to be aware of your credit is because it greatly affects where you can live. If you have poor credit, it is very hard to get a rental application approved. You may eventually find a landlord willing to give you a shot, but it may not be an ideal place to live. When getting a mortgage, your credit matters even more. You may think you are set where you are living now, but if a job change that necessitates a move were to occur, you want to be sure your credit is in order. If you have not seen your credit report and you plan on moving, order your report and score. You will arm yourself with the knowledge needed to know whether changes should be made.

Many people don’t realize that their credit also affects their ability to get meaningful employment. More and more, employers are using background and credit checks as part of the routine screening process when hiring. Therefore, credit management is important if you hope to remain competitive within your career. Companies want to hire individuals with responsible credit histories because they believe it reflects your work ethic in the office. If you cannot manage a few credit accounts, how can you be expected to manage a company’s assets? While this may seem unfair to compare your home and work ethics, the fact is it happens. Repairing your credit is one way to improve your chances of being hired.

The majority of credit consumers have so little of their credit limit available that an emergency situation would leave them stranded. Do not let this happen to you. Qualifying for credit accounts is often a necessity, especially if a major repair or medical emergency takes place. Leaving one account open for these unexpected expenses is not only good credit management, it makes sense. Even if you do not have a credit card with enough available credit, maintaining a positive credit history will allow you to apply for and secure a card or charge account in a pinch. Many medical, dental and vet locations offer their own financing programs, but your credit history will be considered.

If you are having trouble securing an account because of poor credit, let Vivix Credit Solutions work with you to repair your credit. Our experts are here to help you regardless of your needs or the situation. We can help you with credit management.