Credit is not so bed tool to help people to keep heads above water. For example if you need in a car and in case of you canot save enought money car credit is a decision. It is easy to get a car loan to purchase the car you want; all you need is to meet some requirements.
People with bad credit scores will have some problems with dealerships because bad credit scores scare away the lenders. A bad credit score report tells the lender that they should be cautioned when approving your car credit application. A poor credit rating indicates that you credit worthiness is questionable. | 
