Bad Credit, Your Health, and How You Can Fix Both

Bad credit and a load of unpaid debt may not only hurt your pockets but they can also impact your health.  Bad credit can get you denied things such as homes, cars, and credit cards. It can even make it difficult for you to rent or get a good job.  So it really can affect multiple aspects of your life and for many this is often be too much to bear. You may think it’s not a big deal to have a low credit score and just pay for what you want with cash. But trust me, life is a lot easier when you do not have those worries.

How Bad Credit and Debt Can Affect Your Health

So let’s take a closer look at the connection between bad credit and health.  Bad credit is typically caused by a large amount of bad debt and possibly other things such as public records that remain on a person’s report.  This debt may include high credit card balances, old unpaid utility bills, student loans in default, judgments, foreclosures, repossession, bankruptcies, unpaid payday loans….BAD STUFF!  Having bad items on your credit report and not addressing them as needed will keep your credit score in the tank for years to come and it can start feeling like a big hole that is nearly impossible to crawl out of.  And think about how stressful and mentally draining it is when you cannot do things such as purchase a nice home or even rent a car to take a weekend road trip because of the bad items on your credit report.  A study conducted by a research team at Ohio State University looked into the link between high credit card debt and stress and found some interesting findings.  Mainly, they were able to find a correlation between those with high credit card debt and higher levels of physical impairment.  “The stress of owing money, and the knowledge that we’re paying high interest rates, may lead to increased stress resulting in worsening health” (Ohio State University).  This study was conducted in 2000 but more recent studies echo the same findings.  “Various studies have documented the links between financial stress and physical maladies.  Money troubles, including issues with credit and debt, can bring on everything from headaches and insomnia to muscle tension and high blood pressure” (Khalfani-Cox, Lynnette and Credit Sesame). This article also mentioned a study called “The High Price of Debt: Household financial debt and its impact on mental and physical health” that found “high financial debt in comparison to available assets being linked to higher perceived stress and depression, worse self-reported general health, and higher diastolic blood pressure” (Khalfani-Cox, Lynnette and Credit Sesame).

My Personal Experience with Bad Credit

I can totally relate to the physical and mental health links to bad credit and debt.  I remember being in college and like many students running up credit card debt, which tanked my credit score.  Fast forward a few years post-college and I was able to pay off this debt using company bonuses and, thus, increased my credit score.  I was also able to buy a car and the on-time payments helped me increase my score even more within a year…enough to buy my first home.  Got married, had kids, good credit…that ended up going south AGAIN.  A few bad decisions, some overspending, and taking bad advice is what did it.  Do you know how stressful it was for me to go from having good credit that I worked hard to re-establish over a few years to having bad credit again that made it difficult to do things such as rent a car, get approved for a credit card, or even get approved to finance a dental treatment?? (yes, I got turned down once for financing needed dental work and had to pay out of pocket instead…real life stuff and keeping it 100!)  I can remember wondering when I would be able to “get out of the hole”.  And at times, I could not see the light at the end of the tunnel…and it felt depressing.  Fortunately, since then I’ve re-established my credit and it is now very good.  And I now know how to keep it that way.

How You Can Fix Your Bad Credit Starting TODAY

You may think that you have way too much on your credit report to re-establish good credit but you can do it. It is a process and does not happen overnight but you can establish the credit you want if you are willing to put in work.  There are many ways you can get on the road to better credit through research and various credit repair services.  Credit repair services is a wonderful option for those who do not have the time to do all the things required to fix credit on their own (trust me it can be A LOT of work). credit repair I would like to recommend my friends over at The Credit Lady LLC.  They know and understand very well the advantage of having good credit and started their consulting business to help others reach this goal.  The Credit Lady LLC not only takes your information to fix your credit but they also educate on what it takes to establish and maintain good credit.  I have seen them share various tips on Facebook they have provided.  And some of the testimonials from people who used their services mention how the Credit Lady LLC helped them establish good habits, which is something important to stay on track with maintaining good credit.  I strongly encourage you to check them out for your credit needs so you can get on the road to establishing good credit today.  Having good credit will not only help you save money with lower interest rates or help you buy your dream home.  But it can also contribute to better mental and physical health by eliminating resulting stress and related ailments.

Special Discount For Credit Repair Services

For the month of September only, A Fitness Tech Diva and The Credit Lady LLC are partnering to help you get started on the road to good credit with a special discount being offered to readers of this post who sign up for their credit repair services.  By simply mentioning A Fitness Tech Diva when you sign up, The Credit Lady LLC will take $100 OFF of your services… better hop on it TODAY!!  Link to their site:  Also, check their Facebook page for information and customer testimonials at Good luck!!



Affiliate disclaimer: This is an affiliate post.  If you decide to sign up for credit repair services with The Credit Lady LLC as a paying customer, A Fitness Tech Diva will receive a small fee via the affiliate partnership in place for the month of September 2017.  However, A Fitness Tech Diva only enters into such partnerships with businesses she truly believes in and would personally vouch for.


Ohio State University. “High Credit Card Debt May Be Bad For Your Health, Study Suggests.” ScienceDaily. ScienceDaily, 6 March 2000. Web. 30 Aug 2017.

Khalfani-Cox, Lynnette and Credit Sesame. “How Big Debts And Bad Credit Impact Your Physical and Emotional Health.” LearnVest 13 Oct 2013. Web. 30 Aug. 2017.

About Keke

I'm a wife, mother, IT career woman, MBA, fun, loving person who enjoys wearing multiple hats and living life to the fullest. I was born and raised in St. Louis, MO and have been working in the field of technology for over a decade, which I enjoy very much. Additionally, I'm passionate about fitness and eating well so I'm always researching related topics and enjoy sharing this information with others. My blog merges the things I'm passionate about by turning these topics into what I hope you find are interesting blog posts. So glad you stopped by and hope to see you back here soon!

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