"I don't get paid for loan applications, I get paid for closings," said Ritch Workman, a Melbourne, Fla., mortgage broker.

“我没法偿还贷款申请，我要为结算付钱，”一位来自佛罗里达州墨尔本市的按揭经纪人Ritch Workman。

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As a college graduate with no student loan, no car repayments, and no mortgage, credit CARDS have helped me 'get into the system' and build a strong credit profile.

做为一个没有助学贷款，没有汽车贷款，没有抵押的大学生，信用卡已经帮助我“进入这个系统”，并且建立了一个强健的信用记录。

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Of course, with his credit history, he can't get a car loan on his own, or a mortgage, so life isn't perfect.

当然，以他的信用纪录，他靠自己没法得到汽车贷款和房贷，所以生活并不是完美无暇的。

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So, in 2015 when you are buying a Mercedes on eBay, don't be surprised if it's also where you meet your wife and get a mortgage loan.

FORBES: Brands Branching Out

The main reason to shell out for a score is to check it about six months before you want to get a mortgage or car loan.

WSJ: Getting Going: Why Aren't Credit Scores Free?

Another trap, more likely in these credit crunch days: One of your kids can't get a small business loan or a mortgage, so you lend him or her a wad.

FORBES: Estate Repair