Does your credit hold you back from getting the best deals? I find it frustrating, as my credit is not very good, and I don't quallify for a lot of sweet deals because of this. I am trying to improve my rating by making small purchases on a card and paying them off on time..it has improved a bit..but really to get a big improvement I think I need to pay or at least make arrangements to pay a couple of charged off accounts. I notice from the credit card offers I am getting in the mail that my credit is improving a little, and I check the score for free at Credit Karma..I am not sure what else I can do. I guess I could look for inaccuracies in the report.