Today, most big financial dreams such as buying a car or buying a house are easily achievable because of easy loans available to realise these dreams. The truth is, you cannot live without debt – or at least it is difficult to not have debt. Lenders have made debt quite important by inventing the idea of credit scores and concepts of secured and unsecured loans. Although credit score is something that helps lenders and creditors determine if you can be trusted with a credit account. However, in order to have a credit score, you will need to be in debt and display good behaviour in paying it back.