Other Than Credit Report

In one of our recent postings , we discussed how increasing numbers of
companies are requesting credit reports to assist them in the job hiring
process.

On the other hand, information like having the same job or address for
a few years - can make you appear to be more stable in lenders' eyes.
While this information is not used in creating your credit score, it is used
by lenders in addition to credit scores to make lending decisions.

Similarly, having checking and savings accounts also establish you as part
of the financial mainstream. If you have a good egg-nest in your
retirement accounts like 401k or 403b or Roth IRA, that really helps in
establishing you as a person of solid financial background, who works with
a plan. Banks wish to see such a reliable person to rent their money.