In my perfect world, there would be no credit scores. And while I do not believe that credit is necessarily evil, in that perfect world of mine, there would be no need for any of that because it would be, well ... perfect!

Back to reality. There are myriad reasons we need to have good credit histories and excellent credit scores.

Like it or not, lots of things are now predicated on one’s credit score. Take automobile insurance premiums, for example. Want the best rates? You’ll need a good credit score.

Want to make sure that out of all the applicants, you get that really great apartment? You must assume that your potential landlord is going to look to your credit history to determine if you will make a reliable, on-time-paying tenant.

Are you vying for a job with a great employer? Be

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