A good credit rating is something that you should aim to keep. By being aware of your spending habits and creating a budget, you should be able to manage your credit rating and improve it where needed. A good score can make things much easier and can be a positive aspect for your finances, especially if you come to big purchases like a car or even a mortgage for a house. Having a good credit rating will save you money as you are a lower risk to lenders and therefore will obtain better rates.