Cactus Credit, a Canada-based credit repair and rebuilding company, provides one-on-one attention to international clients to help improve their credit scores. Committed to providing personalized service to each individual, Cactus Credit recognizes that a person’s credit plays a huge role in his or her life.

Everyone knows that poor credit makes getting a loan or buying a house more difficult, but many lesser-known areas are also affected by bad credit, including:

– Employment. Several studies have shown that there is a minimal correlation between job performance and credit score, yet many employers still check applicants’ credit in the hiring process.

– Cell phone contracts. Most cell phone carriers look into credit scores when consumers apply for phone service. If the individual has poor credit, a cell phone contract may be denied.

– Bank access. When a person applies for a new checking or savings account, the bank looks into his or her banking history. The bank may also look into the person’s credit.

– Your love life. According to a report from US News, roughly 90 percent of people regard financial responsibility as a factor when they choose a romantic partner. Many men and women will not consider marrying someone who has a bad credit score or a shaky financial history.