Today we have grown to a nation in search of instant gratification, l buy now pay later syndrome. So, without a good credit rating it will be very difficult to get the things you want at the time you want them. Consumer credit has been accepted as a substitute for cash, so that good credit is the key to the future. As a consumer it is to your benefit to fully understand how credit works and every aspect of what is involved when you apply for any type of credit, including the maj ..