Credit information Helena

Lenders. This group is the credit information Helena one most people associate with their credit score.

Having a good rating can help you qualify for the best rates on a mortgage, car loan, credit credit information Helena card and even a small business loan if you've got that entrepreneurial spirit. A nonexistent score can make it impossible for you to qualify for a loan or credit card at all.More from MSN Money and Kiplinger

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2. Insurers. The majority of auto insurance companies use your credit score when determining your rates, and the practice is also common among home insurers. credit bureau check A survey by Consumer Reports among eight popular credit information Helena auto insurers found that drivers with top scores pay up to 31% less on their premiums than if credit scoring wasn't factored in, while those with bad scores pay as much as 143% more. Landlords. Increasingly, credit information Helena you may need a good credit score to rent an apartment. Landlords view your credit rating as a measure of your responsibility to pay bills on time. If your rating is below par or you don't have a credit score yet, you may have to find a friend or relative to co-sign your lease, or you could be required to pay a higher rent or security deposit.Video on MSN Money Improving your credit score Trying to increase your credit score? free credit reporting agency Here are the 3 best ways to improve a credit score, says Stacy Johnson of Money Talks.4.

Employers. When you're applying for a job, potential employers can credit information Helena pull your credit report as long as they notify you first.

And, in fact, about 35% of them do, according to the Society for Human Resource Management. Bad credit can be a signal of irresponsibility, or employers might be worried you'll spend more time fretting about your credit information Helena financial woes than concentrating on the job. Cell phone carriers. Even cell phone service providers may check your credit before signing you up for a plan. They want to make sure you're responsible and will pay your bill each month. credit report watch