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Understanding Credit RSS

What Is Credit?

Let’s start at the start—just what is credit? (and why do you need to worry about it?)

Maybe everyone should start their journey to better credit here….

In this section, you’ll find information that explains what “credit” is.  Once you understand what “credit” is, you’ll start to appreciate how important a good credit score and a clean credit history are.

  • Are You Prepared to Take a Credit Hit?

    Are you prepared for three of the leading circumstances that eventually cause Americans credit to take a major negative hit?
    Divorce. Loss of income.  Medical issues with no insurance. These 3 life changing events are the top ways a person may end up with major credit problems. Think about it. How many people plan for these events and the financial consequences that will follow? With proper planning and an emergency savings plan you may be able to avoid the credit problems that follow.

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  • How is Your Credit Reputation?

    If you are like most people, your personal reputation is important to you.  Maybe you want people to think of you as honest, or reliable.  Or maybe you have worked on creating a reputation of being fearless or smart.  How do you develop these reputations?  You do it through your actions.  You can’t just tell your friends: “I’m reliable”. You may have a great personal reputation, but how is your credit reputation?

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  • Let’s Face It: Bad Credit Is Expensive!

    Your credit score can cost you millions over your life (or it can save you millions).  Learn the difference between a bad credit score and a good credit score, and why you should spend a little time making sure you have a good one.

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Credit Success Stories

I didn't realize that there are other types of credit bureaus, including one that only deals with your checking account history. The credit bureau is "ChexSystems" and they need to comply with the same rules as regular credit bureaus. I was happy to find out that I could get my ChexSystems record cleared up! Read More