The complete guide to fixing your credit score

Living with bad credit means a financial life plagued with high fees and high interest rates. A neighbor who recently wanted a new phone had to put down a $100 deposit due to his poor credit. To get internet at home, you have to verify your credit history.

It turns out there are few ways to build credit without getting an actual credit card, something I have learned since my failed attempts a few years earlier. Those with poor or no credit should not despair. Here are few ways that one can build and repair credit.