All of the above -the answer is all of the above. mortgage lenders and credit card issuers may use credit scores to help determine whether you can qualify for credit and what interest rate youll pay. in some states, home insurers may use credit scores to help gauge your risk level as a potential customer and to accurately price that risk in your premium. cell phone companies may use credit scores to help determine which plan you may be eligible for and whether any security deposit is required. electric utilities may use credit scores as they evaluate whether or not to require a security deposit and the amount of such deposit. landlords may use credit information and scores to help determine the amount of the deposit that may be required for a particular property.