It is often said that the most important possession a person is their reputation and good name. Your credit rating is attached to your name and follows you wherever you go in North America be it New York, Chicago, Edmonton Alberta or Vancouver Canada. A credit rating is like a mirror- wonderful to look at when clear, but not very helpful of useful is damaged or sullied.
How can you maintain a good credit rating? It all comes down to consistency of paying your bills onetime and not running up debts that you cannot pay off or miss payments.
Many people will say- its only one small payment what does Visa, the car dealership where you financed your new auto or SUV care? After all they have more money than they ever need. Maybe you will get by with one excuse of a forgotten check. But do this a second time and the system will red flag your account, name, address etc. Then you might say well Christmas is coming up MasterCard, the bank or the finance company wont really notice. Wrong again. The system will flag you again. This time as more severe. Amazingly the whole credit system seems to have tentacles that share information especially about bad creditors and...
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