Credit companies - Experian, Trans Union, and "The other one" are holding more and more power these days. I fully understand why you don't want to give them credit information.
Check with legal professionals in your area and get their opinions. Since you are getting a directorate, I hope you have a lawyer to back you up if things go sour during your tenure. Document, Document, Document.
Back to the credit check: any credit check done that does not issue you credit counts -against- your credit score. If you plan on getting a loan/mortage in the next two years, this might knock you out of the best APR. It takes 2 years for these checks to drop off your record [from my last research]... longer for a bankruptcy of course.
If you want a shot at the best credit score you have to have been living at your current address for the last 5 years and only have checks on your credit rating that in turn have issued you credit. Also it is good to have a loan or mortgage that shows on time payments and have no missed minimum payments on any credits cards.
Yes a long discussion moving away from the topic, but a bad credit rating is just as bad as a criminal record - maybe even worse!!
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Credit companies - Experian, Trans Union, and "The other one" are holding more and more power these days. I fully understand why you don't want to give them credit information. Check with legal professionals in your area and get their opinions. Since you are getting a directorate, I hope you have a lawyer to back you up if things go sour during your tenure. Document, Document, Document. Back to the credit check: any credit check done that does not issue you credit counts -against- your credit score. If you plan on getting a loan/mortage in the next two years, this might knock you out of the best APR. It takes 2 years for these checks to drop off your record [from my last research]... longer for a bankruptcy of course. If you want a shot at the best credit score you have to have been living at your current address for the last 5 years and only have checks on your credit rating that in turn have issued you credit. Also it is good to have a loan or mortgage that shows on time payments and have no missed minimum payments on any credits cards. Yes a long discussion moving away from the topic, but a bad credit rating is just as bad as a criminal record - maybe even worse!!