Protecting Your Credit Score While Traveling

creditscore

As you travel from place to place with travel assignments do you worry about your credit score?  Do landlords check your credit with each new rental agreement?  You move around from address to address so how does that affect your score?

You have to pay attention to your score and protect it as you travel.  How can you protect it?  Are you are paying rent each month where you live?  You pay your rent on time so how do you make sure to get credit for that?

Excessive inquiries

One thing that can bring down your credit score is too many credit checks.  Things like credit card applications, personal loans, car loans, and rental applications can affect your score negatively.

In order to rent you must maintain your score.  You don’t want to find yourself in a bind with a poor credit rating.  So, how do you protect your score when you have multiple assignments?

Find short term housing

While researching this issue, I found a couple of sites that can help with your housing needs.  Travel Nurse Housing and Furnished Finder both are great sites for your housing needs.

The sites are perfect for landlords and travelers. Both are free for the traveler. They help to find short-term furnished housing.  For landlords, it is a place to find traveling nurses as tenants.

They do not charge the traveler to search their map of rental properties.  Once you find the place you like you book with the property owner.

Protecting your credit score

How do you protect your score from so many inquiries?  Both of the mentioned rental finders use a site called Cozy 

When a landlord screens you as a tenant they do a credit check.  This is considered an inquiry and counts against your credit score. With Cozy they pull a “soft pull” which doesn’t harm your credit.

Another reason for Cozy is the secure and convenient rent payment system.  Cozy collaborates with Experian Rent Bureau.  This collaboration helps travel nurses build their credit history while paying their rent.

How it works

  • First, you choose to use their rent reporting feature.
  • Cozy sends your payment history to Experian Rent Bureau
  • The history is added as a new tradeline on your credit report.
  • Once on the credit report, it gets reported as a positive payment history for improving your score.

I have heard from several of you concerned about your credit report while traveling.  Especially if you are looking to finance a home, a car or other large luxury item.  Preserving your high score or improving your existing score is important.  Rent reporting is an excellent opportunity for a travel nurse to help their credit rating.

For more information check out RentReporters to learn how you can improve your credit score while traveling.

 

 

 

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Cheryl Roby, RN

Cheryl J. Roby is a Registered Nurse and retired US Army Reserve Nurse Major. She has more than 30 years of nursing experience and 26 years of military experience in the Army Nurse Corp. During her nursing career, she has traveled as part of her military experience visiting many of the 50 states and to South Korea. She was trained as an Army Medic during the Vietnam era and later as an OR tec. She went on to become a Licensed Practical Nurse and then completed her nursing training as a Registered Nurse. She was then commissioned as an officer in the Army Reserves. She appreciated the challenge of working in various specialties and expanding her clinical and professional skill sets. Her time in the Army Reserves and California National Guard gave her the opportunity to travel to most of the 50 states and work in other medical facilities. During her career, she had the opportunity to work in several specialties to include, OR, Occupational Health, Hospice, Sexual Assault Team, Forensic/ Correctional Nurse, Nurse Case Manager for developmental disabilities, Parish Nursing as well as a Nurse Entrepreneur.

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