Yeah. I don't think people really realize how important their credit rating is. I've been extremely anal about it for over ten years, and as a result I can do a lot more, financially speaking, than I would be able to ("allowed to") otherwise.
The whole credit rating system is somewhat fascist, to be honest, but we've got to have something or else doing business is very tough. I just wish it was a lot more transparent, open, and less error-prone.
But at the very least one can do as much as one can to ensure one's credit isn't totally destroyed by others...paying one's bills on time is the other side of the equation...
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Will said:
Thanks for the info. I didn't realize that the credit bureaus were responsible for the "free" credit things, and I've always been a little paranoid of throwing them away. I mean, I don't really have a credit history at this point, and almost no money to my name, basically living off work study paychecks. But if somebody else started using my name for credit, I would be royally FUBAR'd.
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