For better or worse, your credit rating happens to be your ”SAT score” in terms of funding. When you have a high rating, you should have a fairly easy time getting credit provides from a multitude of capital sources. Should your rating is low or nonexistent, however, you may not.
But a decreased rating is not one thing it is possible to try to escape from, as well as if you avoid it, it will not disappear completely. (mer…)