11. You don't know you have bad credit
Ignorance is bliss. That is, until you try to apply for a credit card or loan. If you're not sure where your credit stands, don't assume it's good. Even if you're paying your bills on time, identity theft could ruin your credit.12. You're not willing to sacrifice
You won't be handed a good credit score. You have to work for it and you might have to give up some things to get it. Letting go of your
bad spending habits will be uncomfortable at first, but after just a few weeks, you won't miss the frivilous things you're used to spending money on.
13. You're planning to file bankruptcy
Filing
bankruptcy doesn't replace credit repair. In fact, after you file bankruptcy, you will still have to work on your credit to get approved for many credit cards and loans.
14. You don't have time
People make time for things they want to do. They make excuses for things they don't want to do. If you really want to repair your credit, you'll make time to do it.15. You don't want to do the work
There's a saying, "Anything worth having is worth working for" and that includes good credit. Credit repair isn't hard. It takes time, diligence, and persistence, all of which pay off in the end.
