Talk:Credit rating/@comment-124.148.111.104-20121031131437

This is great information. I suggest getting a secure credit card as soon as possible from your bank so you can build up your credit rating. While it is true that you can survive without a credit rating (I did), many things are really painful and you will end up with a lot of cash tied up in deposits (I had $500 tied up for my cell with AT&amp;T, another $500 for my wife&apos;s mobile, etc.).