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Credit & Credit Cards

Credit and credit cards are closely tied to one other. In general, you cannot have credit cards without having credit, and you cannot get far with credit if you do not have credit cards. It is very important that consumers educate themselves on the issue. If you want to take control of your personal finances, you need to learn how to improve your credit score. You have probably heard of the many ways this score helps you out when you need financial assistance. As long as money is a key factor, you cannot take any decisive steps without an adequate credit score. This figure determines your eligibility to get auto insurance, rent a new apartment, and much more. Further, employers review it to determine if you would be a liability once hired.

If you or a family member does not have credit, it is very vital that you learn how to establish credit from the start. It is also critical to manage your credit in an effective way. This is closely connected to the use of credit cards. Do not treat these cards as a means to make purchases. If you rely on this, you might need to pay a huge price each month. Use your credit cards as a way to build credit, not as a means to buy whatever you see in sight but cannot afford. Make very small, routine purchases each month and pay off the balances to ensure stellar results. It is not difficult to do so, as long as you inform yourself on the issue and keep track of your habits. It is also imperative that you stay on top of your personal finances and make sure that you do not miss a payment or falter in any other way. If you manage to do well, your credit score will stay high and you will have many doors open to you.

Credit & Debit Cards

Many people wonder if they should be using credit cards or debit cards. The truth is that each of these cards has advantages and disadvantages. ...
» Credit & Debit Cards

Credit Freeze

A credit freeze is also known as a security freeze. It is basically a lockdown on your credit report and score. This means that new ...
» Credit Freeze

Credit Reports

A credit report is a record of an individual's financial information that is maintained by credit bureaus, like Equifax, TransUnion, and Experian. It is provided ...
» Credit Reports

What Credit Scores Do

Lenders receive an objective status concerning your credit risk through your credit score. The most widely used credit bureau score is the FICO score. The ...
» What Credit Scores Do

Preventing Credit Fraud

Credit card fraud is definitely on the upswing, costing businesses billions of dollars every year. If you are the victim of fraud, you are not ...
» Preventing Credit Fraud