There is a lot of confusion surrounding your credit score and how it really works. In today’s market and the market to come your credit will continue to be a very important part of everyday life. Credit affects your everyday life whether you realize it or not. Bad credit affects getting things like cell phones, apartments, insurance, and even your ability to get a job. That’s right more and more employers are running your credit to see if your credit is good enough for you to work for them not just your resume.