Good credit can make many financial situations live more accessible and less expensive. For example, with good credit, you can be approved for mortgages or automatic loans and may be entitled to the best interest rates and conditions available. A good credit score can also influence how much you pay the insurance and whether the utility company asks a little or unconnected before starting the service for you. If you make a financial step error in the past, your credit score may not be as high as you want. Even though you won't be able to instantly delete these past negative items from your credit report if they are accurate, you can take steps to rebuild a more positive credit history starting today and increasing your credit in the future.