shylee2482 asked:


How do I explain to someone who is not financially responsible that credit is a big deal and how can it effect the rest of your life?

Gary asked:


I understand on how important the credit score is when applying for an unsecured loan, a home, financing a car or trying to get a credit card but why is it a factor for job consideration? So any Human Resource people and/or Hiring Managers care to respond and explain why a person’s credit score even comes into play?

mhs1975 asked:


Is it a major factor or will they work with you?

Kim asked:


I am currently trying to start building my credit so that when I apply for a credit card, theres some credit history there that won’t lead to my rejection. I curently have a checking/savings accnt with both BoA and WaMu (however, I am about to close my BoA accnt when WaMu debit card comes in). I’m not sure if i’m really up for getting credit cards from small stores, because I don’t shop in too many places, so although I want to build my credit..I don’t want to waste my money…………………………….
Heres some quick facts, if it’ll effect your answers: (1)Been rejected credit card apps more than a few times (2)Opened accnt w/ WaMu today, tried applying for MasterCard but was denied because of lack of credit history (3)Have a mobile phone contract under parent’s name, however I pay the monthly bill (4)House is parent owned/don’t pay rent (5)Only have a Macy’s retail card (6)Not currently a Student. Any advice would be great, thanks!