"These days, your credit history and credit score are the center of your financial life.
Your credit score governs whether you can get a mortgage, home equity loan or line of credit, and how much you'll pay for that mortgage. It also governs whether a company will insure you and how much you'll pay as your premium. And many employers will pull a copy of your credit history before making you an offer for employment. If your credit history is tarnished, you might find job offers evaporating."
I recommend perusing this article. Find it here:
http://bx.businessweek.com/consumer-credit-spending/view?url=http%3A%2F%2Fwww.ihavenet.com%2FPersonal-Finance-Rules-To-Improve-Credit-History-Raise-Credit-Score-IG.html
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