Toronto Is Hosting A Beginner Drake Dance Class

At a certain point in life, your credit score becomes really important. From renting a place to getting a loan, the range of things this three-digit number can impact is pretty spooky.

But not as spooky, perhaps, as not having one when you need it. This is what a "credit ghost" is, someone with little to no credit history or who doesn’t know their credit score, and they're everywhere this Halloween. You might even be one.