{"id":22898,"date":"2019-03-27T09:52:58","date_gmt":"2019-03-27T14:52:58","guid":{"rendered":"http:\/\/readyforzero.wpengine.com\/?p=22898"},"modified":"2023-11-08T12:35:24","modified_gmt":"2023-11-08T17:35:24","slug":"6-reasons-avoiding-credit-costing","status":"publish","type":"post","link":"https:\/\/www.avant.com\/blog\/borrow\/6-reasons-avoiding-credit-costing\/","title":{"rendered":"6 Reasons Why Avoiding Credit Is Costing You"},"content":{"rendered":"

1. Potential Lenders Can\u2019t Properly Evaluate Your Application<\/span><\/h2>\n

Turns out having no credit is just as bad as having poor credit. Reasoning: lenders use your credit profile to gauge your credit risk based on several factors, such as payment history. But if nothing\u2019s there, chances are your application for credit will be denied or you may only qualify for the inferior products.<\/span><\/p>\n

2. Exorbitant Security Deposits<\/span><\/h2>\n

If you just moved into a new place and need to activate cable, internet, electricity, water or any other utilities, the provider may require a hefty refundable deposit if you have minimal payment history. The same rule applies with cell phone providers: they\u2019ll want to collect a lump sum up front to be used as collateral in case you default on your monthly payment.<\/span><\/p>\n

3. Limited Credit Card Options<\/span><\/h2>\n

Those irresistible credit card offers you see on television or internet advertisements are usually reserved for consumers with excellent credit. While lenders evaluate an array of factors to determine if you qualify for the most competitive offers, having a score on the higher end of the spectrum will definitely boost your chances. Until then, you\u2019ll have to settle for a secured card or one with an outrageous APR should you decide to apply — or you could check out the<\/span> Avant Credit Card<\/span><\/a>, which was designed with credit builders in mind. <\/span><\/p>\n

4. Good Luck Securing Travel Reservations<\/span><\/h2>\n

It\u2019s practically impossible to make travel arrangements without some form of plastic. If you use debit for lodging or rental reservations, don\u2019t be alarmed if a large hold is placed on your card and remains intact for a week or so following the trip.<\/span><\/p>\n

5. Limited Options When Renting<\/span><\/h2>\n

Need to rent an apartment? The landlord will want to run a credit check, even if you\u2019ve proved you can afford the monthly payments. If you have little to no credit history, don\u2019t be alarmed if they require first and last month\u2019s rent along with a security deposit, or reject your application altogether if there are more qualified applicants on the waiting list.<\/span><\/p>\n

6. Increased Insurance Premiums<\/span><\/h2>\n

Lenders, creditors and landlords aren\u2019t the only entities that may want to take a peek at your credit. \u201cApproximately 95% of auto insurers and 85% of homeowners insurers use credit-based insurance scores in states where it is a legally allowed underwriting or risk classification factor,\u201d<\/span> according to the National Association of Insurance Commissioners<\/span><\/a>. And the lower the scores, the higher the premiums. The good news is if you reside in California, Hawaii, or Massachusetts, you aren\u2019t subject to this screening.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

1. Potential Lenders Can\u2019t Properly Evaluate Your Application Turns out having no credit is just as bad as having poor credit. Reasoning: lenders use your credit profile to gauge your credit risk based on several factors, such as payment history. But if nothing\u2019s there, chances are your application for credit will be denied or you […]<\/p>\n","protected":false},"author":38,"featured_media":24906,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[1421],"tags":[1073,704,334,504,382,269,303,1157,1156,1158,1159,607,1109],"class_list":["post-22898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borrow","tag-auto-loan","tag-credit","tag-credit-card","tag-credit-card-agreements","tag-credit-card-debt","tag-credit-score","tag-debt","tag-debt-products","tag-fico-score","tag-insurance-premiums","tag-payment-history","tag-score","tag-security-deposit","entry","has-media"],"yoast_head":"\n6 Reasons Why Avoiding Credit Is Costing You - The Avant Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avant.com\/blog\/wp-json\/wp\/v2\/posts\/22898\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 Reasons Why Avoiding Credit Is Costing You - The Avant Blog\" \/>\n<meta property=\"og:description\" content=\"1. 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