Today's tip on CREDIT....

Credit scores can stand in for character references. Although controversial and restricted in some states, credit scores can be used to determine insurance rates, grant security clearance, or inform hiring decisions. "If you have an 850 [score], you're close to being a saint and if you have a 450 [score], you're most certainly a sinner,” “I don't know if any of that is true,” but many businesses do operate under the belief that a credit score is an indicator of personal character and reliability.