<prompt> Human: Ive noticed that many people have the opinion that theres no use in increasing your credit rating unless youre actively planning to get a car loan or mortgage. Im curious what other benefits there are for good credit. Ive heard that some apartment owners will give you cheaper rent if you have good credit. Employers might also run a credit before hiring you. Are there any other benefits aside from being able to borrow money?  <response>: Car insurance rates are often based, in part, on your credit rating as well. 