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If your credit score was just about credit it would be different.
I was shopping car&home insurance prices and one of the things they wanted was my credit score - to price insurance!
One of the agencies put a "ding" on my credit because of frequent address changes. I've had the same home address for 19 years and the same business address for 10 years. Sometimes I make transactions under my business and sometimes personally, so some transactions have one address and some have another. Their computers are too stupid to figure that out, so it puts a black mark on my ability to buy insurance at lower rates.
You need a good credit score to rent a house, too.
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