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Do I Really Need Credit?

Updated June 25, 2012
This is probably the most overlooked aspect of personal credit. Most people will spend countless hours and a lot of money to increase their credit score, only to see a small increase in credit. And for what do they get by increasing their credit by 20 points? The reality of the situation is that anyone in the US or in the world for that matter can have happy life without needing any credit whatsoever - and is something that should be carefully considered prior to investing a considerable amount of time and money trying to add major points to your score.

As an alternative to seeking more credit, perhaps it's time to go after a job that will net you more money. Try this out - there are plenty of good paying jobs out there, you just have to put some effort into it - this is FREE: