There’s this little, practically invisible, three-digit number that dictates so much of our financial life (and life overall), yet we very rarely consider it on a day-to-day basis. Alternatively, this three-digit number is sometimes the only thing we think about if we know it’s having a negative impact on our life.

For better or worse, our credit scores and credit report impact the decisions that we can make. It’s interesting how something that never used to exist can now play such a role in our financial future. It’s a bit unnerving, because one bad financial choice or mistake or rough patch can result in you having a tough road ahead, for seemingly a long time. But what exactly can your credit score all be used for? What can you get (or be denied) based on your credit report?

In the inaugural blog from Total Credit Relief, we’ll take a look at some of the ways your credit score can be used. The list is more varied than most people think, and understanding the uses for credit can be a great motivating factor for understanding and working on your own credit. Total Credit Relief is a highly acclaimed credit repair business, built on the idea that everyone should be able to experience success, even if their past financial situations have had a negative effect. Learn about what your credit score can be used for, and contact our credit relief services to see how we can help.

Buying a Car

Buying a car is practically a rite of passage in the United States. With the driving age at 16, many people end up buying a car from a dealership before even having a chance to build a credit score. Anyone who has experienced this knows the impact that a credit score (or lack of one) can have on the car loan you get.

Your credit score will determine whether or not you get a loan, as well as the interest rates that go with it. For a low (or for some, a nonexistent) credit score can mean significantly higher interest rates, which will increase your monthly payment. Not having a satisfactory credit score can end up limiting or completely disabling your ability to get the car you want, or even a car at all. If you’ve experienced some hard times and are worried about getting a new vehicle, talk with the experts at Total Credit Relief to see how we can help.

Getting a House

This is perhaps one of the most well-known aspects regarding the necessity of having a good credit score. Getting a mortgage for your home is very dependent on your credit score, and is one of the easiest places where you can be denied an opportunity for a new living arrangement. Buying a house often costs over $100k, so loan lenders want to make sure you have the financial wherewithal to take care of paying this off.

Unfortunately, one bad decision or financial situation when you were younger can result in being denied a loan, even if you’ve learned a lot of and grown in your financial decision-making along the way. When you’re considering buying a house, working with a credit repair business like Total Credit Relief might be an incredible solution to making this happen.

Renting an Apartment

It’s true—even if you’re not buying a house and instead just looking for a place to live, some apartment complexes or landlords may look at your credit score during the application process. In some cases, it might even be a determining factor in how much you’ll pay for a security deposit. Even the rental game is not outside the realm of being affected by a credit score.

Applying for Student Loans

You don’t need a degree to know that college is expensive. In the event you’re looking for loans and assistance on the federal level, you’ll likely not need to worry as much about your credit score—most of the time, it probably won’t even be checked.. However, this changes when you branch into the private sector. As Credit Karma reports, “If you apply for private student loans, banks will likely be very interested in your credit report and credit score.” As we all know, if your credit report and credit score is part of the analysis, you’re going to need a good one to experience loan success.


A more recent trend in the world of credit score usage has been with insurance companies. More specifically, home insurance and car insurance can assess your credit score when determining how much they will cover and how much you’ll have to pay as a result. Your coverage can absolutely be affected by your credit score—yet another reason your score needs to work towards being a positive asset in your financial portfolio.

It can seem a bit overwhelming to think of just how many aspects of your life are affected by your credit score. After all, many of these loan opportunities lead to necessities in life—education, transportation, insurance/protection, and even shelter are all accessible (or inaccessible) based on your credit score.

This is where the reassuring part comes in, because you can absolutely see results on your credit score and credit report with Total Credit Relief. Our credit repair business can help you improve not only your financial report within days, but your financial future as well. Work with our credit relief services to create more possibility and potential in so many other parts of your life—contact Total Credit Relief today to get started.