[Michael I]

I beg to differ..

Why would I not have to worry about my credit on a $30K home renovation or a $200 circuit install? I don't pay for anything with cash. I use a credit card or charge card to reap the benifits of the points and have more protections in the event something goes awry, plus if the card is compromised, my real bank accounts are not compromised. But doing it that way, I still have to worry about my credit. Because what if I cant pay the bills when they are due?

And how is that different than a MCA?

Lol u misunderstood me.when you get a quote for home renovation, they do not pull your credit like an MCA does .
I will never forget I had a merchant a bunch of years back insisting his credit was 700 plus ,I sent him to an a lender who declined for sub 500 credit.merchant went nuts calling me a liar etc. I told him to pull a free credit report send it to me and let's see what is going on . Merchant got his credit and saw that from shopping he had over a hundred inquiries which dropped his credit from 700 plus to under 500. When you are dealing with credit pulls you need to be more cautious when shopping