Photo FIleRichard Perry. ■ Richard Perry / The Hemet Car Guy Greetings from The Hemet Car Guy! Many people have credit challenges and everyone’s credit score can vary at any given time. For example, your credit score can depend on your current balances at the time your credit is run. My wife and I make every effort to pay off a charge on our card in full when the statement comes in. If we want to refinance our house or need a loan for ourselves or our business, the interest rate will be determined based on our credit rating. This is why we are protective of our credit rating. Some people
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