There is little doubt as to the value of credit worthiness. A bad score means high rates and denials for car or mortgage financing or even an apartment. The good life depends on a good credit score.

Your credit file reveals the manner in which you honor your business agreements and that says everything to an employer, merchant or landlord who put their property in your hands.

The consumer who cares about their credit record should:

• Monitor their credit records periodically
• Correct any errors in writing
• Take advantage of fair credit and privacy legislation

Your credit record is too important to be left in anyone else's hands but your own. Taking care of it is easy if you know how.  

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