Your Credit Score Doesn’t Matter Unless It’s BadKristin Wong8/10/16 4:00am11719EditPromoteGo to permalinkI have pretty good credit—right now my score is close to 800. Awesome, right? Sure, except that awesome credit has actually been pretty useless, even when I recently bought a home. Don’t get me wrong, bad credit has a big impact on your finances. It’s strange, then, that excellent credit doesn’t really matter.