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Home > Credit Rating > Blog > Credit Reports are very important Credit rating and free credit ratings

Credit Reports are very important

Thursday Feb 04, 2010

I’ve talked about credit reports before, but this time, you should pay attention. Here’s a personal story. I had perfect credit. I was in a car accident. I had full coverage car insurance and I had student health insurance from my university. Each one paid out in full (much to my surprise and happiness). So, what’s the problem, you ask?

I still had over $15,000 in medical bills that was owed after all of my insurance paid out. I would have never known this if it wasn’t for getting a free credit report. You see, I graduated and moved not too long after the accident and what few bills that the hospital sent, were sent there. Creditors were calling me using an automated system that I looked up online. The information I found told me it was for telemarketers. What happened to a real person calling and dealing with you? If I had not gotten the free credit report, my credit would be in horrible condition from non-payment of these medical bills.

My point is, make use of a credit report, specifically a free credit report. It can make a world of difference for you. It did for me, as I had to have a credit check for my new condo.

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