For those that pay cash and don't use credit, I commend you your discipline. Does anyone know if not using credit has any affect on insurance rates? I know that using credit does have an affect on auto insurance and home owners insurance. It sucks but they have their own insurance credit scores that they use and it com...more

I understand that the credit bureaus serve a purpose. My objection is when there are errors. The burden of proof is on the consumer, not the creditor who placed it there. Tried to contest something on my report,  bureau contacted creditor, creditor said it's valid, back to me. I have to incur all expense and use my tim...more