Renting

• Many landlords look at credit reports before deciding whether to rent an apartment or home to a person. They prefer not to deal with tenants who are at risk of being delinquent with their rent.
  
  

Employment

• Some employers view credit reports before hiring or promoting a person, especially in the financial industry. A good credit report is considered a sign of personal and professional responsibility.
  
  

Auto Insurance

• Most auto insurance companies offer lower rates to people with good credit, because studies show people who pay all their bills on time are less likely to take driving-related risks.
  
  

Utilities, Internet and Cable

• Unpaid utility, Internet and cable bills are a growing problem, so most companies check credit before opening accounts. Those who have bad credit are often required to make a cash deposit to get their servics started.
  
  

Cell Phones

• Cell phone issuers check credit before opening an account. Those with bad credit either must make a deposit or are denied a standard cell phone account.