Is having a credit score really necessary?
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re: Is having a credit score really necessary?
Posted by JonTheTigerFan on 11/13 at 8:43 pm to Meauxjeaux
quote:

I have a sick child and medical collections pop up on my credit report continuously (a whole other thread).


Have you ever looked into getting medical collections removed through the HIPAA process? I don't know what it entails exactly but have heard of people getting them removed that way. I had a medical collection on my report and called the collection agency and did a "pay for delete", where I paid what I supposedly owed them and they removed their entry from the credit bureaus.



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Posted by wrlakers on 11/14 at 1:49 am to Meauxjeaux
To the OP, I assume you have a bad credit score, and that's why you're asking. If you've ever bought anything on credit, you have a credit scored like it or not. But with your house paid for, why do you care?

quote:

Every insurance you buy now is partially based on your credit score.


This is the answer. I used to work for an insurance company. They run your credit during the underwriting process. A high score will put you with the good company line your insurance company sells, and you will save money.

I have no debt besides the mortgage that I qualified for many years ago. Why do I appreciate my good credit rating? Because it saves me money on inusrance. It gets me a lower credit card interest rate. No, I don't carry a balance-EVER, but if I did need to do so one random month, I'd save money.

In this day, unless you live in a cave, you should not ignore your credit score.



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