We all know at least ten ways that having bad credit can ruin your life. And, only four ways to use good credit:

• better interest rates on that house you're gonna buy some day

• Better interest rates on that car you wanna lease or finance

• Get the apartment/ house you want

• Some jobs require it just for you to qualify for an interview

Now that did not make much sense to me girl. I did all that work to get a good credit and aint but a handful of ways i can use it to my advantage? Girl, I did my homework and here are a few facts we need to know:

• Girl, there are over 200 million Americans using credit or are affected by credit

• Credit has been around for at least a gazillion years and it is not going anywhere

• Mad companies and people are making crazy money off credit utilization, SO WHY AREN'T YOU GIRL?