Anytime you open an account at a financial institution for a savings, checking, or retirement account, they will get a credit report. Employers are increasingly

Anytime you open an account at a financial institution for a savings, checking, or retirement account, they will get a credit report. Employers are increasingly requiring a credit report before handing out job offers. Every landlord is going to require a certain credit score before accepting your application. You don't need worry about your credit if you use cash and store it in a coffee tin, couch surf, and work under the table.