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Your Credit Rating Impacts All of Your Finances

These days, your credit rating can make or break your financial life. A positive rating will not only get you lower interest rates and better terms on any type of financing you apply for, but it also influences many other aspects of your life.

Want to rent an apartment? The landlord will check your credit first. Want an insurance policy? Most insurance companies now check your credit also. Maybe you want a new job? That's right. Employers frequently check credit too. They seem to think that employees with a better credit rating are better employees period. Right or wrong, it's legal to use your credit rating against you. If you're not be proactive when it comes to your credit, you might be asking for trouble.

Here are some ideas that might help you with credit issues or questions:

Credit disputes: Need to fight inaccuracies in your credit report? Here's how.

How to get your credit report: You can't fight the credit bureau without a copy of your report. Here's how to get it.

Improve your credit score: If your credit score isn't what you'd like it to be, here's how to improve it.

Credit report errors: Knowing how and why errors can appear on your credit report might make it easier to help correct those errors.

What is a credit score?: Exactly what is a credit score? Find out here.

Avoid crooked web sites: These days there are a whole lot of unscrupulous folks willing to take your money by promising you the impossible. Learn how not to get taken.

How's your FICO score?: Learn what influences higher and lower FICO scores.