Most of the time, staying on top of balancing your bank account each month is likely a manageable task. Sure, there are some close calls - and you could always use more money - but you seem to get by somehow.
However, there can come times in life when a person's need for cash becomes more acute - more serious. It could be due to emergency medical bills, or car repairs, or the need to fly out of town to visit family. This can present you with a serious challenge if you have a bad credit score.
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