Ha nem akarsz havi mobiltelefon elofizetest venni, vagy uj alberletbe koltozni ( ahol szinten ranezhetnek erre , vagy hiteltermekek kozul valasztani, akkor valoban nem erint. Az emebrek tobbseget azert erinti...

Egy kis idezet a moneysavinsexpertrol:

Credit scoring affects far more than you think

Since the credit crunch started, way back in 2007, the importance of credit scoring to our financial lives has grown rapidly. Here's a quick rundown of how credit scoring affects major financial areas.

Credit scores impact mortgages
Mortgages

If your credit score is poor, you'll be rejected. It really is that simple. If you're planning to get a new mortgage or remortgage, it's worth starting to manage your credit file at least a year in advance. For specialist help, read the free MSE First-Time Buyers' Mortgage Booklet or Remortgage Help Booklet.

Credit cards

Your credit score dictates whether you'll be accepted, whether you'll be given promotional rates, and the APR you'll be charged afterwards. See the Best Balance Transfers, 0% Spending and Credit Card Best Buys guides for full info.
Credit scores impact loans

Again, your credit score matters both for acceptance and the rate you'll pay. See Cheap Loans for help.

Energy bills

Sharing data is now spreading to utility companies too. It's far from standard, but most now either already share details of missed payments or defaults, or reserve the right to in future. If yours does this, it's important to be aware that if you miss payments, this could have a knock-on effect on your ability to get credit in future.

If you fail an energy company's credit scoring process, it may ask for a security deposit or only allow you to have a prepay meter, which could ultimately be more expensive than fixed tariffs available on standard credit meters.

Mobile phones

If you're getting a contract mobile phone, you're credit-scored (usually because the company is spreading the cost of the handset over the contract, so for the firm, it's effectively a loan). If you're rejected, you won't get a contract, and will have to stick with pay as you go.

Car and home insurance

If you opt to pay monthly, then in practice the insurer is loaning you the money to pay upfront, spreading the cost over the year and charging you interest (often at 20%+ APR), so it does a credit check first. See Cheap Car Insurance and Cheap Home Insurance.

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"Tartsd magad távol azoktól, akik le akarják törni az ambíciódat! A "kis" emberek mindig ezt teszik, de a nagyok éreztetik veled, hogy te is naggyá válhatsz" - Mark Twain