In the United States, credit scores dictate accessibility to funds. This number instantly indicates a consumers credit, whether good or bad, as shown in the image below.
The Fair Credit Reporting Act
“The Fair Credit Reporting Act (FCRA), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).” FCRA was created to end abuse in the industry. Numbers drove agents to fabricate scores and even use personal information to formulate data. This act deters violators and levels the playing field. Individual’s credit background is considered minus bias in lifestyle choices.
Daily Life
Credit scores impact daily life. “It can determine the interest rate a consumer is going to pay for credit cards, car loans and mortgages — or whether they will get a loan at all.” Financial implications of credit scores create road blocks protecting consumers from collecting debt outside their means as well as lenders from taking large loses. This model is in place to protect both parties.
Personal Credit Score
Grade yourself to check credit worthiness. Then ponder the following questions:
- Does pressure to improve a score lead to desired outcomes?
- Is this model creating gaps between socio-economic lines?
- Does this score accurately show your financial history?
- What are next steps?
Free Credit Score Quiz:
https://www.myfico.com/free-credit-score-range-estimator/
Improve Your Credit Score
References:
Center, E. (2018). EPIC – The Fair Credit Reporting Act (FCRA) and the Privacy of Your Credit Report. Retrieved from https://www.epic.org/privacy/fcra/
Dickler, J. (2018, September 24). Good news, America: Credit scores are at an all-time high. Retrieved from https://www.cnbc.com/2018/09/24/average-fico-score-hits-an-all-time-high.html
Free Credit Scores Estimator from myFICO. (2018). Retrieved from https://www.myfico.com/free-credit-score-range-estimator/
O’Shea, B. (2018, September 28). Credit Score Ranges: How Do You Compare? Retrieved November 20, 2018, from https://www.nerdwallet.com/blog/finance/credit-score-ranges-and-how-to-improve/
You must go to the Home Depot stores to purchase home improvement tools, kitchen remodeling, patio furniture, power tools, and bbq grills. Home Depot collects the customer’s opinion through Home Depot Survey, and lucky winners will get gift cards.
American company The Home Depot specializes primarily in offering products and services for home renovation. Home Depot wants to know what customers think of their products and services, so they’ve started a survey on their official website, homedepot survey. Home Depot Survey
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