While the credit report is a must.. it also becomes a pain, cause everytime you try to apply for credit the big three firms will call you at home to verify it is you. Its hard for you to say it is your requesting the credit, when you are not at home to answer the phone call. It does not happen to the average person often, but remember if you are getting a loan, a new cell phone, things that will require a credit validation, you will be immediately turned down until the verification can happen.
But it must be done.
__________________  Jim and Polo |