Luckily, if one follows good credit behavior then a good credit score will follow.
How is credit score meaningless if you plan on having a mortgage some day? My score has meaning because it prevented me from refinancing my car credit check Laredo with an institution that would be more convenient for me to deal with. It will credit check Laredo also matter when I take out a mortgage and will affect my finances by thousands of dollars, hopefully in the right direction. Credit behavior is important obviously, as you stated. But its impractical to ignore a number that plays such a large role in most peoples lives (except those without any debt or mortgage). free credit report instantly Also, why criticize Baker for wanting to know his score? What about the fact that hes a personal finance blogger and his readers are likely curious about the affect of canceling their credit cards on their FICO score? Hes clearly not modifying his life because of the score, otherwise he never wouldve canceled the cards in the first place out of fear of his score dropping. Without a credit score, cell phone companies will not give you a normal contract. They require a large ($1000 or $500) deposit credit check Laredo *and* put you on a handicapped plan that, for example, does not allow international roaming. free credit report gov I had to be a customer with T-mobile for a year and a half before I could get off the handicapped plan and turn on international roaming, which sucked, because I travel internationally a lot.
(No, you cannot roam internationally on pay-as-you-go.) Without a credit score, my credit check Laredo utility company made me pay a $500 deposit. They paid it back (with $0.14 interest) after a year of being a customer. Additionally, when you need to do something like this that requires a credit check and you dont exist in the databases, the customer service people get all hushed and confused. I dont know credit check Laredo what shows up on their little screens, but it must be scary-looking. check credit score for free I wish there were some way to say look, I pay what bills I have credit check Laredo and I have more money than I need, dont make me jump through more idiotic hoops. Apparently, however, the only way to do that is by having a credit card.
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