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And because the credit program is both a driver of production , but a scarce resource even though there are some increases , but one particular issue that we struggle with is we have tried to maximize the credits and maximize the size of the housing development into both family housing and senior development on the same site . If your credit score is considered good , let 's say over 700 , then the lenders will offer you lower interest rates and better terms . For most Oregon businesses , this means an increase in the cost of their commercial insurance because a company 's credit information is a significant factor in setting business insurance rates . Keeping a good credit score is like walking a fine line . Requesting a block on one 's credit file is not restricted to credit reporting agencies . Credit cards such as Visa and MasterCard are widely accepted for everything from a hostel bed or a restaurant meal to an adventure tour , and a credit card is pretty much essential ( in lieu of a large deposit ) if you want to hire a car . HENDRICKS : Well , in the credit cards , we do have data out , just in the last few months , showing that the response rate for pre approved credit card is plummeting , and I think that deals - - I mean , here 's a situation where they're able to use credit bureau data , highly targeted , and it 's just a question of the market is so saturated , and there 's not much differentiation anymore among the credit card offers . Fortunately , she always pays her bills on time and her credit score is good . Even when the old credit information is not associated with your new Social Security number , the absence of any credit history under your new Social Security number may make it more difficult for you to get credit . If the person does not have an accredited institution to vouch for them , a valid credit card is required to register . Indeed , credit information is commonly used factor for many business decisions . The best resource we reviewed online for checking your credit score is myfico.com . The Act provides that the value of property or services fraudulently obtained or attempted to be obtained by use of a credit card is to be determined by any reasonable standard , including the market value within the community , or actual or replacement value . Moreover , consumers who request their free report may not know that key information is being withheld if the credit score is missing . It has to be brought to you , then you have to wait in line at the register , then you have to wait some more while your credit card is processed , or submit your PIN for a debit card , then you have to sign .