A credit with bad history can get a full stop in your life. Generally, a credit score is a thing that decides whether you are going to get a new loan, or going to get relaxation in interest rates. A lender will check your credit history and as well as score before lending money. Moreover, your payment or credit history is your portfolio that tells how you are in paying debts. There are enormous reasons and benefits that your credit must be cleaned and perfect, and you can have a smooth life with having credit with a fine score.