You probably know that. A tenant with a good credit record is more desirable than someone who has a history of financial trouble. Policyholders who have poor credit ratings are placed into a special high risk bracket and they are charged higher rates for their insurance coverage. So, it is very important to maintain a good credit rating, or, start building a good credit rating today. If you have a good credit rating already, you should check your credit reports at least once a year to make sure there are no discrepancies or mistakes on it.
Clerical errors are sometimes common.
Sometimes, names are confused, and a negative listing that was supposed to go on John B. Doe's report goes on John D. Doe's report by mistake. Unfortunately, there are also occurrences of identity theft. This is the use of someone else's credit without their permission. Thieves that do this use another mailing address. That is, they send in a change of address to your credit card company.