Not paying off debt can have a negative impact your credit score. A low credit score makes it more difficult to find a bank or credit card company to lend you money or lend it at an attractive interest rate, but it goes beyond that. Your credit score can also affect everything from insurance rates to employment opportunities. If you are interested in improving your credit score, Sangamon County Community Resources is offering a free, monthly credit coaching workshop over the lunch hour to all county residents. Local finance professionals will present the information and work with participants to obtain their credit report, assist them in interpreting the report and suggesting methods to improve the score and build your credit worthiness step-by-step. Free. scdph.org.