On average, 25% of Americans suffer from a credit score under 599. That is 25% of people that pay unnecessarily fees and do not try to even argue about it. Everyone makes mistakes, and the bureau will understand a mistake if it is not a major one. Because of these mistakes, many Americans reported to be living their life from one paycheck to the next which is also causing a decrease in homeownership. As a credit specialist, it is important to know your goal, situations that brought you here, and give proper advice for guidance. Many individuals may feel helpless, that is why we are here to help you identify the problem and work towards a proper solution. People may tend to know the problem, but may require help to be educated on the matter of solution. This is why it is important to identify the problem , it works towards a solution.