Every American whether rich, poor, or finding themselves in what some call the middle-working class has some type of a credit score. This credit score does not determine what you can be in life or describe your personal successes or failures. What it does do is show the world what kind of financial behavior you have had throughout the years in paying your bills on time, the amount of debt you have accumulated, what companies have trusted you with debt, and how long you have managed to have the debt.
Some individuals do not pay their bills on time not because they don't have the money to do so but simply because they decide to do something that is more enjoyable with their money. Yes it is sacrifice to cut back on things you want, but its definitely worth it. It will not take too long for you to get out of debt if you stay focused and your commitment is large enough.
Your credit score can be effected dramatically when you decide to not pay your bills on time. In addition if you continue to not pay your bills you will be denied future credit and hurt certain relationships you have with creditors and banks. Making the choice to look at your credit and actually sign up for a credit monitoring website will help you understand you credit score as well as report. This will also help you make better decisions when you see how much of an impact the bad choices is having on your credit.