There are those who think bad credit isn’t a huge deal; they don’t feel the need to worry about putting in the necessary work to build their credit back, until they want to make a big purchase that requires a strong credit score, like a car or a house.

But it’s not always just the big purchases that can be affected by a bad credit score. The fact is that poor credit follows you, takes time to repair, and impacts you much more than you may think. Here are some of the ways that a low credit score can affect your everyday life.

Credit and Loan Applications
Home is Where the Approvals Are
Extra Charges for Utilities
Denied Cell Phone Contracts
Higher Insurance Rates
Have Bad Credit, Need Money Right Away