Would you rather strive to get good credit today than go through an ugly process of fixing damages later one? I say that if you are presently capable of higher scores, then go for it! I know of a friend who was too busy to even read materials on how to get better credit when he is more than qualified for one. Financial analysts say that it is much easier to get good credit from the very beginning than suffer the consequences later on (i.e. disapproved loan applications).

This friend knows better now and even advised his kids to do it right the first time. Now his kids had taken the opportunity and worked hard on getting good credit because it can affect their future.

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