Finance

Your credit score, and your criminal record. Both depend on your past actions, both can make you or break you, and both follow you around for a really long time. But, only you, and maybe your lawyer, know your criminal record. Your credit score is a whole other story. It can be pulled when you apply for a new credit card, go for that new job, try to get a new car, or even try to move in to a new place.

The majority of people do not think anything of it when they hand over a debit card to purchase something, but not those that have been burned by debit card theft, debit cards that can be used like credit cards to be exact. Last summer, a native of San Jose, California used his debit card to book a rental car that he planned to drive from Memphis Tennessee to Saint Louis while he took a vacation over there.

It is true that Americans with outstanding debts will usually suffer from a number of punishments. Collection letters, phone calls, unfavorable credit scores and a chance to wind up in court are examples of retributions for non-compliance.