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In the modern era, cell phones are people’s lifelines to the outside world while fewer and fewer people have landlines. A cell phone contract might not be as having a roof over your head and being able to afford the water. But you can be turned down for a cell phone contract when you have a bad credit rating.

When you have bad credit, you expect to be turned down for certain things. Loans, mortgages, and even jobs might not come as a surprise. But low credit scores affect utilities more than one would realize. Utilities cover the basic services in your home such as gas, water, electricity, internet, phone, and cable. We use all of these services on a daily basis without considering how much we really depend on them.

A low credit score has the greatest impact on your housing. The likelihood of being approved to rent or buy a property with a low credit score is slim to none. Allowing people with low credit scores to move into their property is highly risky for the lender.

Bad Credit Affects Your Job

Don't Fall into Deferred Interest Credit Cards over the Holidays or You'll Pay 27% More Interest.