I swear you can’t seem to sneeze these days in public without someone wanting to run a credit check on you to determine your credit score. You see all the commercials about how important it is to check your credit report and make sure that you are not a victim of identity theft and all that. I bet you also see that most banks lately want a specific credit score before they will even look at you.
This happened with a rental we were looking at, the dude wanted to take your credit report and you had to get a certain score/rating whatever it is called before he would even look at allowing you into that home to rent. I get it, you want someone who has a good credit score because sometimes a good credit score means they will pay the rent. I beg to differ, just a little bit, a good credit score means you have been doing good all your life in the credit department. What about those who, like myself, turned 18 and well took a few years to pay off those credit cards she got her hands on?! I mean that affects my score, makes me look like a bad person to lend to, yet I pay my bills and I know I am going to pay the roof over my head before I pay for an extra in my life.
I would rather use the local library if I had to or a friends computer before I let my roof over my head go for a different bill. Mind you, I certainly fell behind when the whole leaving J thing went on but I am a firm believer that you can’t judge a person on a credit score, it’s silly to me. Just plain silly! Credit scores can not determine a person today, it determines a persons credit history and some people sucked at building credit while younger but are really good with finances today.
I don’t even know what my credit score is nor what’s on my credit report but I have thought about checking it out on sites like FreeScore.com as I feel it’s important to know your credit score in this economy.
Do you know your credit score? I am not going to ask you to tell me it, but just curious how many people know their credit score!