Do you feel your credit stands in the way of getting approved for financing for a home or a new car?  Having bad credit can do more than prevent you from getting approved for a loan; you may also have to pay more for insurance and provide a security deposit on utilities if you move.  Financial challenges can occur to anyone, any time.  The good news is you can begin to improve your credit immediately.  While repairing your credit does take time, it’s possible to improve it as long as you’re dedicated to positive financial habits.