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What is Credit?

In the simplest terms, your credit is your reputation for paying your debts on time. When you have good credit, lenders and other companies are more willing to issue credit cards, lend money, hire or rent to you, and provide more favorable terms on other goods and services.


Your credit history doesn't need to be spotless to qualify as "good", but once you have established a negative credit history it can be very difficult to repair. Responsible financial behavior is the best path to establishing a good credit history, and, coupled with time, the only sure cure for bad credit.


If you need to build credit - a quick start is to appy for a low interest credit card.  Make sure you choose one that has no annual fee and some sort of cash back or rebate.



Related Article: How Credit Bureaus Work >>
The Learning Center
Credit
Fair Credit Reporting Act Equal Credit Opportunity Act Fair Credit Billing Act and Electronic Fund Transfer Act What is Credit? How Credit Bureaus Work Personal Credit Report - A Financial History What is a Credit Score? Keeping an Eye on your Personal Credit History How Do I Clean Up My Credit Report? Choosing the Best Credit Repair Services TransUnion - Credit reporting agency Experian - A Leading Credit Bureau Equifax - Personal Credit Solutions
Debt
Fair Debt Collection Practices Act Selecting a Debt Management Program or Debt Counseling Service Finding the Right Debt Consolidation Agency
Personal Finance
Consumer Protection Laws - Credit and Debt Steering Clear of Credit Repair and Debt Management Scams Do I Have a Debt Problem? Get Me Out of Debt! Debt Free Living - A few simple suggestions Identity Theft Prevention - Protecting yourself What If I Become an Identity Theft Victim?