Although the Debt Free Advantage plan can still lead you to become debt free, it doesn't happen overnight. In the meantime, building and maintaining good credit is key to your financial success. Good credit is crucial to helping you lower your interest rates and put more of your hard earned cash to paying off your debt, rather than costly finance charges.

In days gone by, especially in smaller communities, shopkeepers, bankers, and others who extended credit knew by word-of-mouth who paid their bills and who didn't. As the world grew, and corporations become the overwhelming source of funds, a standardized system needed to be developed. Thus, the rise of the personal credit score.