| To some, the FICO score is just three numbers. | | | | credit score could mean a half point difference on |
| Unfortunately, those three numbers can determine | | | | interest rates for credit cards, car notes and even the |
| your future. Your credit score is vital to the choices | | | | dreaded mortgage rate. A half point may sound like |
| you make and that number must be monitored and | | | | pittance, but when added up that could potentially |
| nurtured at every opportunity. The number reflects | | | | mean a savings or cost of thousands of dollars |
| your habits in spending and borrowing and can tell | | | | annually to your bank account. |
| perspective lenders and even employers what kind of | | | | The solution is simple. Be good to your number and it |
| person they are dealing with. Maintaining good control | | | | will be good to you. Staying on top of your report will |
| over that number is a must in today's world. | | | | allow you to notice if there are any discrepancies on |
| Everyone knows that a good credit score can lower | | | | your report that could harm you. Those need to be |
| interest rates on credit cards and mortgages. | | | | disputed as soon as possible. Periodic checks of your |
| However, did you know that your job may also | | | | report will put you in the driving seat of your credit. |
| depend on a good score? Many employers today | | | | There are several credit monitoring businesses out |
| check that to see what kind of person they are hiring. | | | | there, but remember this caveat: Let the buyer |
| The theory states that a person that is responsible | | | | beware. Some companies are little more than scams, |
| with their personal finances also should be a | | | | while some are very reputable. Do your homework. |
| responsible employee. It may sound unfair to some, but | | | | Check with organizations such as the Better Business |
| it is what it is. In today's economy where so many | | | | Bureau. You cannot be on the path to good credit if |
| people are scrambling to find or keep a job that | | | | you do not have a good company in your corner. |
| number could mean the difference between that high | | | | Do monthly checks. Dispute anything that should not be |
| paying dream job and more applications and resumes | | | | there. By staying on top of your credit game, you will |
| sent out in the job hunt. | | | | have one less headache in the game of life. |
| A difference of as little as 30 to 50 points on your | | | | |