A good credit score is necessary to obtain loans, credit cards, insurance, employment and some other types of purchases. If you have a good credit score your interest rates on loans and credit cards is lower than with a poor credit score. Purchases such as a cell phone require a credit check and a poor credit score requires a hefty deposit on the cell phone plan. Employers may reject your application for poor credit, if you would work with undetermined amounts of money.
People never really think about all the things their credit score affect in their every day life. Your credit history follows you everywhere you go throughout your life. If you never view your credit history, you will never know why your credit score is good or bad. It may contain certain things on your credit report that reflects badly against you, even if you believe you have excellent credit, without looking you will never know the entire reason.
Creditors and lenders may indivertibly enter the wrong information for your payment history, they may enter your name incorrectly leading back to someone else with a different social security number, but this still sends up a red flag. For some...
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