What is the value of the credit, and how does it affect your life? The credit system rewards people with a high credit score and punishes people who, for whatever reason, score a lower rate. Everyone knows that when you purchase a product through financing, the first question is, whats your credit look like? Your answer determines if you can purchase and at what rate. When you purchase insurance for your car, life, or home when you apply for a job, your credit is assets, and you may be passed over for someone with a better score. There are as many reasons to address issues on your credit report, Better Credit Better Life!