Particularly in bad economic times, people need good credit. Good credit becomes a backup for when savings fail. When you don’t have good credit, you are prey to predatory lenders and can get yourself into deep financial trouble. You may need to repair credit score to raise it.

In order to get good credit, it is important to live within your means. The vast majority of Americans can find at least one way to cut back on their expenditures so they can pay off their credit cards and establish good credit.

The Bible says that the borrower is slave to the lender, so responsible financial management should lead not only to good credit but also being debt free. The process of becoming a good financial manager for one’s God-given resources also leads to good credit.