How can a Credit Score effect so much?

and we as consumers have little or no control over that score, and don't even have immediate access to it?

Answer:
You DO have some control over your own credit score. Pay all your bill and pay them all on time. Then you will have a good credit score.
well u do have control over score is by having a good habit by paid u credit card, bill on time. yes u can access u score by small fee or by free credit report.
um, yes we do.and welp, yes we do!
Welcome to adulthood, when you get screw@d at every turn, everthing costs too much, nothing works well and everyone expects you to pay, pay, pay.
My answer would reflect the first 2.they are correct
As a consumer you do have some control over the score, if you manage your credit responsibly. That means use credit cards only when you really have too, like in an emergency situation and make sure you pay them promptly and on time so that your score can be good. There is also a website where you can pull your credit for free once a year depending on your state. You also have the option to call the credit bureaus Equifax, Transunion and experian to request a credit report.

https://www.annualcreditreport.com.
Yup, #1 is correct. That's why I keep myself on a "CASH DIET"
95% of the time.
You have tons of control over your score. they dont just pull the number from nowhere. In order to raise your score you must pay your bills, have a few credit cards with low limits that you pay religiously among other things.

Anybody can access their score. YOu may request it by mail from one of the 3 agencies Equifax, Experian and Transunion. You may also access it online. I use mycreditkeeper.com which allows you to view your score once a month, as well as what is on your report. This way if their are discrepancies, you can get them fixed.

YOUR MOST POWERFUL TOOL IN CREDIT IS KNOWLEDGE!! Know your score, and what effects it!!
On the contrary we have a LOT of control over the score

For a clear and simplified explanation of what affects your score, see "Fico Breakdown: How Your Credit Score Is Calculated" at
http://finance-girl.blogspot.com/2006/09.

and

See Raising Your Credit Score
http://finance-girl.blogspot.com/2006/09.

and you can have free and immediate access to all three reports by law. Go to http://www.annualcreditreport.com. to order or view copies of your credit report.

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