Sometimes life gets a little bumpy and financial disaster hits, and many people are left scarred with some ugly dings on their credit report. It's not uncommon to end up with some pretty negative and shameful feelings about having a bad credit profile.
That's pretty understandable these days, given how the media and certain commercials have created a heavy neuro-association between credit and self esteem or self worth.
Society dishes out a constant barrage of messages which tell us if we do not have an amazing FICO score, we're pretty much a loser and will end up driving a beat up car and living in a basement.
It does not have to be that way and the more anyone understands the reasons behind those messages, it becomes much easier to detach yourself from negative feelings associated with bad credit.
The main thing to keep in mind is banks, credit card companies, and credit bureaus, are all mammoth industries who'd love nothing more than to keep everyone perpetually on the credit treadmill. One of the ways they do that is to deliver a message of heavy emotional attachment to credit.
To them it's just business and marketing, so understanding that and looking at the big picture is key to rising above it. There's simply no need for anyone to feel like they have a lower self worth simply because of a bad credit score.
That being said, it's still difficult for most people to completely ignore bad credit. Unfortunately, our credit scores affect more than just the ability to get a loan or credit card. It permeates many other aspects of our lives such as renting a house or apartment, employment, insurance rates, and cell phone services.
So for practical purposes, even after ditching negative emotional associations with credit, most people will still need to pay attention to their credit score. Unless you choose to adopt a full cash and carry lifestyle, which there's nothing wrong with, it only makes sense to work on improving bad credit as much as possible.
One way to work on fixing up bad credit without the emotional baggage, is to simply get some help with the process. A couple methods of doing that are to work on it yourself and join a credit forum, or sign up for a legitimate service to do it for you. Either way, you'll quickly realize you definitely are not alone and there's millions of good people in the same situation just trying to function within the flawed credit system we have to deal with.