Try moving into an apartment or buying a boat and not being able to show good credit. How is one supposed to change their credit without using credit?
You have to prove your credit even if its damaged. That is why we recommend credit reports to check up on the status of your credit all the time. According to a Public Interest Research Group survey, 79% of credit reports featured errors which is nearly four in five, suggesting that the odds are strong that your credit report isn't as clean as it should be. Even worse they found that 25% had serious errors which is bad enough to lead lenders to refuse you credit or employers to refuse you a place to work when you need it most, including buying a house or car. A bad credit score can even be the cause of some people not being able to open a bank account. There are many online credit scams that claim to give you a free credit report.
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