I often warn consumers about the little things that can have a big impact on their credit score. Today, I'm in more of a “don't sweat the small stuff” kind of a mood.
It is apparent that some people take this credit reporting stuff very seriously. In fact, one consumer recently took time out of his busy schedule to write to my advice column asking why, despite his many efforts, he couldn't get his score above 812. Apparently, people have a thing about being “graded.”
It is true that your credit score can have a big impact on your financial life; however, it is important to keep these things in perspective. Good people sometimes have bad credit scores. Besides, no one's obituary should ever read: “Stan was well respected by all three major credit bureaus.”