Your credit record is your way of life. Some of us have perfect credit, others have been young and made mistakes while others have been involved in relationships gone bad and/or divorce, negatively affecting their credit. For people with bad credit, it just seems like their quality life is bad. I mean, who cares if you can't get credit cards or a cell phone. But, with bad credit, you can't just live anywhere - apartments pull your credit. You can't get renter's insurance because the insurance companies think your bad credit will make you file fraudulent claims. You can't get a better job, because potential employers will pull your credit and bad credit to them I guess means a bad employee and you can't even get a checking/savings account at a bank. By the way, why do banks pull your credit to open up a checking/savings account? Utility companies check your credit, then charge you deposits if your credit is bad. Most often, people don't have a lot of money when they move to pay for them. What are you supposed to do? Sit in the dark? Send smoke signals? I don't get it. I am annoyed with some of the reasons companies pull your credit. Oh, my question: Is it true that inquiries don't count against your credit score after six months even though they will continue to appear on your credit report for 2 years?