<prompt> Human: I see posts here frequently from people concerned about the state of their credit score. When are the times when a consumer can truly benefit from a high credit score?  <response>: First its probably to protect your identity because a lot of the factors included in a credit score can reflect if someone has stolen your identity. So just monitoring it monthly can keep you safe. Other than that lower insurance premiums, better loan interest rates, better credit card options, and not having a large deposit tied to rent and utilities can all be benefits. 