When it comes to getting financing, you will probably encounter the terms credit history and credit score over and over again, and that's because those two terms play an extremely important role in financing. They determine the amount of money that you can get, the amount of interest that you'll end up paying, and they can even determine if you'll even get financing in the first place. With that said, it's important to keep your credit history and credit score in good shape at all times. The best way to do this is to be responsible with your finances. Always pay your bills on time and don't spend more than you earn. Those are the things that you should live by especially if you're intending to buy a car, purchase a home, or even start a business. These expenses are extremely huge and average people won't be able to pay them up front. But they can obtain these things with the help of financing, which in order to qualify for you will need to have a good credit score and credit history. Also note that the credit score and history goes beyond financing. Landlords and even employers are now checking these things before they take applicants on board.