Have you ever been socializing within a group of your peers and credit scores comes up? Usually it’s taboo to discuss particular financial accolades yet people still do it. Rather it’s to brag, lie, or assist others to reach a greater score why is there credit higher than yours? So start to question yourself…,”Is my credit utilization too high? Is my credit history too short? Am I paying on time? Etc. etc. There’s a more complex answer but in short they’re not using it. Nevertheless, what does that truly mean…Lets explore why credit is only a tool.