Who uses my credit score?

Lenders, primarily. But other users include landlords, cell phone companies, insurance companies, and other businesses. Why? Businesses want to know if you’ll pay their bills on time before handing you the keys to an apartment or before you use their cell phone service. They evaluate not only your creditworthiness but your financial responsibility in general. 

Potential employers may also check your credit score and payment history as part of the hiring process. Some positions require you to be responsible for certain assets or to handle money. If they discover that you don’t pay your bills on time, they may decide you aren’t financially responsible and you may not get the job! By law, potential employers have to tell you they are going to check your credit report and must get your written permission.