Bo,

That's a no-no.. You should check your credit score and credit history regularly. Especially if you are about to purchase a big ticket item. I was a victim of identity theft and it took 5 years to clear my credit history. Having said that, having a good credit score has saved me, and others on this board, tens if not hundreds of thousands of dollars on things like mortgages. Over the course of a 10 to 30 year payment plan, or even a 3 to 5 year payment plan, a FICO score will significantly change what you pay for a car.

And, since scores can be manipulated to favor you, do everything in your power to have the best score you can. A credit doctor for $500-$1000 is a great idea. It will return that money back to you times 50 in opportuinity of better rates in future puchases.

This really is a no brainer. protect your credit history and score as a financial priority. I have a mortgage on my house, 30 years, at fixed,5.625% interest rate. Do you realize the difference in cost of a house if my credit were low and I had to pay 8%.

So if you don't own a home and think you may buy one sometime in the next 5 years, start working on those credit scores.

B

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"When two people agree on everything, one of them is not necessary" - Arliss