The average person goes through life and doesn’t think twice about their credit report. That is until tragedy hits. It is at this point and time that the credit report becomes the most important thing in the world to the individual. My friend Julia filled out an application for an apartment. Eliminated her lease on the old apartment, and was days away from moving in. The morning of the big move she received a call from the complex telling her that her application was denied because of her credit report.