The Surprising Health Effects Of Bad Credit

At some point, many people are going to experience money troubles. That’s a given. In so many situations, money troubles are actually beyond that person’s control. In 2008, most economies in the world experienced downturns that they have been struggling to recover from for years. In some economies and sectors, they have yet to recover from the recession. If you were invested or working in one of the areas hit hardest by the recession, you might have lost your job or experienced pay cuts. If you had a lot of financial obligations at the time, you might have defaulted on some of your credit. You could still be digging out of that personal recession.

If you simply lose your job, experience a divorce or separation, or have a child, you could end up with more debts than you’re able to pay off. This happens to millions of people and it’s nothing to be ashamed of. The effect on your credit is well-known. It is harder to buy things, borrow money, and make financial commitments once you have credit that is considered bad. Those burdens exacerbate your problem since it is more difficult to take the kinds of risks and strategies necessary to get out of debt. However, what is not as well publicised are the health effects of bad credit.

Stress Hormones

Stress, physical or emotional, leads to the release of an enzyme called cortisol. Cortisol is often called the stress hormone. The hormone is thought to be linked to early human development when times of stress meant that food and resources were going to be scarce in the future. Cortisol causes your body to store fat. In the distant past, that was a defence mechanism against famine. Now, it’s just one more thing to worry about.

Stress hormones also lead to things like greying hair and wrinkles. The body is not able to produce as much collagen, which is the chemical that keeps skin tight.


As you spend more time anxious about your finances, you become more and more susceptible to chronic anxiety. This is a condition in which you are constantly on edge, or you’re more prone to experience attacks of anxiety seemingly without provocation. Even if they are provoked, they can still be overly strong for the stimuli. Paradoxically, anxiety results in lowered productivity. Though you might be worried more about your finances, you are spending so much energy worrying that you don’t have the energy for actually taking meaningful steps towards progress. Anxiety can also cause thinning hair, greying hair, wrinkles, sleeplessness, weight gain, and cardiovascular complications.

A credit repair service can be good for your heart as well as your wallet. When you’re able to fix your credit with one of these services, you’ll find that you can sleep easier. Repairing your credit also affords you the opportunity to make investments, borrow money, and take risks. All of these things make it easier to pay off your debts. Fully paying off your debts can relieve you of that anxiety. It all starts with repairing your credit.