- Match.com says that more and more people are asking dates for their credit reports. You could even lose your future partner because of credit.
- Even apartment owners are now asking for credit reports and selecting higher scoring applicants. So, it’s not just for home ownership anymore.
- Imagine: you’re on the verge of getting a good job. Your references checked out, the interviews went well, and you’re a finalist for the position. Then they ask for your credit report…BOOM! You’re fired before you even get hired. This is usually part of a background check.
- Car loans can be very cheap, less than 3% or even 0% – for people with good credit. Those with poor credit can pay hundreds of dollars more every month for the privilege of driving the EXACT SAME CAR…
Giving loans and extending credit is much like insurance which is the transference of risk. Creditors want to make sure they get paid thereby avoiding as much risk as possible and those people that have proven that they pay on time, etc., are a better risk, so they get a lower interest rate. Those that have had troubles no matter what the circumstance(s) will be rated higher and have to pay more. Seems wrong that one should have to pay more when trying to improve one’s situation. It’s simple really.
Your solution? Be the person with a high credit score.
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Here’s how to contact the three major credit bureaus to ask about or obtain your credit report or credit score, alert creditors to a possible fraud using your name, or for any other reason:
Equifax: 800-685-1111 (general) or 800-525-6285 (fraud); P.O. Box 740241, Atlanta, GA 30374;www.equifax.com
Experian: 888-397-3742 (general and fraud); PO Box 2002, Allen, TX 75013, www.experian.com.
TransUnion: 800-888-4213 (general) or 800-680-7289 (fraud); P.O. Box 2000, Chester, PA 19022;www.transunion.com.