This article is part of Wired’s “Get Your Credit Score” series, which explores how credit scores can affect your finances.
Read moreAbout the authorJohn Ledbetter has been a bankruptcy attorney in California since 2005.
He started out as a bankruptcy expert, but he now has his own law firm.
He is also a member of the Financial Crisis Inquiry Commission and is a member, with his wife, of the U.S. Debt Settlement Conference.
He lives in Los Angeles.
This article originally appeared on Wired.com.