Thinking of getting a new credit card or buying a house? Your credit score can determine those things, and a whole lot more. A new report puts Georgia at the top of the list for worst credit in the country. That’s according to the website, cardratings.com. Georgia’s lousy rating is the result of low credit scores, foreclosures, unemployment and bankruptcy. We talked with financial planners Cecily Welch and Emma Foulkes about the reach of credit scores.