Credit scores can be a scary or enlightening thing, and if yours is not in a good place you may think you don't need to improve it because you don't plan on buying anything large right? Life changes from day to day, and you would be surprised the things you end up doing or wanting to later in life that you did not before, and may find yourself unable to do so, because of things like credit. Here are some reasons to improve your credit: 1) Lower Interest Rate on Loans and Credit Cards Credit is a snapshot of risk, if you have lower credit then you are more of a risk. So to cover themselves in order to do business with you, businesses' will have to charge you a higher interest rate. It is always in your best interest and money saving efforts to have better credit when applying for things like Mortgage Loans. 2) Leverage to Negotiate Lower Credit Card Interest Rates In some cases, you should not ask for things if they are not offered. However, if you have good credit a...