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Old 07-02-2017 | 12:08 PM
  #5  
dera
In a land of unicorns
 
Joined: Apr 2014
Posts: 7,052
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From: Whale FO
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Originally Posted by jcountry
I would think that a credit check would be more like an indentity verification.

They probably don't care about your score, they might just want to see that you have one.

This is why I dislike part of Dave Ramsey's advice. He tells people to never use credit at all. After a few years of doing that, your score will be zero, or what they call a "thin folder." Many potential employers will see that as a HUGE red flag that something like identity theft could be going on. They may investigate further to find out what's going on-and ask why you have no credit score, but I bet they would just move on to the next guy and you would never get an interview.

I like a good bit of Daves advice, but that strategy is stupid and harmful.
Credit score won't be zero if you've ever had any sort of credit, but it will be a very thin file and you'll pay a lot more for your insurance etc.
What a stupid advice.

I try to use as much credit as ever possible, makes life a lot easier/cheaper.
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