Credit Report ? Watch Out for Parking Tickets

The economic downturn of the last five years has affected millions of Americans, but it has also affected the budgets of states, cities and counties. With limited tax dollars with which to work, various government entities have had to try to stretch their budgets to allow them to continue to function. Many government agencies at the state and local levels have turned over debt collection to collection agencies, even for such seemingly small debts as parking tickets or library fines. What does this mean? An unpaid parking ticket could end upon on your credit report.

Credit reports and the associated FICO credit score have become an increasingly important part of the lives of Americans. At one time, the credit report was primarily used by mortgage lenders to determine if a prospective customer should be granted a loan. In recent years, the credit score and report have been used for an increasingly large number of uses by all kinds of companies. Employers use them to avoid hiring financially irresponsible people and landlords use them to determine if a person might be a responsible tenant. As credit reports are used more often, blemishes on your credit report become magnified in importance. In past years, only significant unpaid debts or bankruptcy filings might have inhibited the issuing of credit. But now, with credit reports being used by so many more businesses, something as small as an unpaid parking ticket can prevent someone from obtaining a job or a lease on a good apartment.

This system isn't all that equitable; not all cities and counties report unpaid fines to the credit bureaus. Worse, while the company that originated the FICO score has adjusted their scoring system to account for small fines, not all lenders use that version of the scoring system. Because of this, whether or not such small things affect your credit score is can be determined by something as simple as where you live or with whom you choose to do business. Fair or not, consumers need to be aware that some small debts may find their way into the credit score and the only way to be sure is to check your credit report regularly.

Most Americans can obtain a copy of their credit report for free at www.annualcreditreport.com. Many people who have had their scores negatively affected by small fines were unaware that they even owed them. This can happen if the debtor has recently moved. Paying the fine can quickly resolve the problem and raise the credit score again, so by all means, check your credit report!

©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to establishing credit, debt consolidation and credit counseling.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://greeninc.blogs.nytimes.com/2008/10/02/in-bailout-plan-senate-binds-house-with-non-renewable-energy-credits-too/cid=1253647892ei=ZNnrSJnABKbU6gOU8q2CCQusg=AFQjCNFw_DkV08ZtoqRnEi8gXSW4j4Be5wimg src=http://news.google.com/news?imgefp=PILz0VYpyjkJimgurl=graphics8.nytimes.com/images/blogs/greeninc/senate.jpg width=48 height=80 alt= border=1brfont size=-2New York Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://sanantonio.bizjournals.com/albuquerque/stories/2008/10/06/daily4.htmlcid=1253647892ei=ZNnrSJnABKbU6gOU8q2CCQusg=AFQjCNE-PpcZt-fiMxNr2StIget54wg11gFederal solar tax bcredit/b extended/abrfont size=-1font color=#6f6f6fSan Antonio Business Journal,nbsp;TXnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1The Solar Electric Power Association expects solar generation to expand significantly thanks to the extension of federal solar tax bcredits/b to utilities. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122324525051705915.html%3Fmod%3Dgooglenews_wsjcid=1253647892ei=ZNnrSJnABKbU6gOU8q2CCQusg=AFQjCNHbgsEmG5VDtoRsabyeMFGWrRviKQWill Coal Be Cashing In On the New Tax bCredit/b?/a font size=-1 color=#6f6f6fnobrWall Street Journal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://cleantechnica.com/2008/10/06/bailing-out-renewable-energy-tax-credits/cid=1253647892ei=ZNnrSJnABKbU6gOU8q2CCQusg=AFQjCNFDRYQP3_EmQY-5-1Lzk9DoqQmjLABailing Out Renewable Energy Tax bCredits/b/a font size=-1 color=#6f6f6fnobrCleanTechnica/nobr/font/fontbrfont size=-1a href=http://news.google.com/news?btcid=1f02df4bba78c72bimg src=/images/news_comment_bubble12.gif alt=google news comment class=comment-iconComment bynbsp;Gregory Wetstone/afont size=-1 color=#6f6f6fnbsp;AWEA Sr. Director of Governmental amp; Public Affairs/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.cleantech.com/news/3645/itc-passes-now-whatcid=1253647892ei=ZNnrSJnABKbU6gOU8q2CCQusg=AFQjCNFOptqSAUfTppRmdzS6gnHGm5z-ywnobrCleantech Group/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mondaq.com/article.asp%3Farticleid%3D67328cid=1253647892ei=ZNnrSJnABKbU6gOU8q2CCQusg=AFQjCNGgL0VqVPLho_UcPeB9Ilf-Ao6nFQnobrMondaq News Alerts (subscription)/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1253647892hl=ennobrall 697 news articles/nobr/a/font/div/font/td/tr/table
credit - Google News

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