“Bad Credit? No Credit? No problem, your job is your credit!” scream shady used-car salesmen. Unfortunately, that’s not true. Bad credit is a problem. It makes your life more expensive in the form of higher interest rates on loans. Bad credit can make it harder for you to rent an apartment and can even keep you from getting your dream job. Your credit score is a widely misunderstood measure of your cash flow health and financial habits. It’s possible to have a great credit score and terrible overall financial health and vice versa. Credit scores range from 300 to 850, the higher your score is, the better. The way your…