My husband and I got into some financial trouble several years ago due to a job loss. We watched our credit card bills grow and our credit scores tank. It was a depressing time in our lives.
So we put away all the credit cards and changed to a cash-only lifestyle. Though it took a few years, my credit score is very close to 800 now. I went from being unable to qualify for credit to purchase a badly-needed new refrigerator, to opening up a mailbox full of credit card offers. I sleep much better now than I did then. Life is definitely much better with a good credit score.