Having good credit opens a lot of doors. It helps you qualify for a mortgage and other loans and can get you lower interest rates on those loans. It can also make the difference if you're trying to find work, or a house or apartment to rent -- most landlords
will check your credit report, and employers
increasingly are looking at the credit of job applicants.
A big step toward cleaning up your credit is checking your credit report for unpaid debts and errors. It's easy to do, and you can do it three times a year for free. And yet, according to a new study
, most people aren't doing it. And a majority of those who do are paying for it.