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2 Decisions! Decisions! Great name?/Bad name?/Great credit?/Bad credit?/Where will you be in the years to come?/Honest?/Dishonest?/Great payment history?/Poor payment history?/Great interest rates?/High interest rates?/Where will you be when you need a loan?/Buy a house?/Buy a car?/Oh yes, high-limit credit cards?/Great FICO scores?/Low FICO scores?/And now, as an added bonus, a great "Vantage Score"/or a bad "Vantage Score"?/Attention! Great news and help inside! Looking back, we have all come through some "hard times" and maybe even some very good times. You know what I love about it? There is always what I like to call the biggest room of all-the room for improvement.