Credit Basics

Whether you're buying shoes, a vehicle or a home, your credit approval hinges on good credit health. This section will show some ways to establish credit for the first time, how to avoid credit issues and how to maintain good credit.

Determining Your Credit Standing

Many people think that credit reports and credit scores are one and the same. In fact, a credit score is derived from the information in credit reports. Your credit score determines your credit standing.
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Establishing Credit for the First Time

Establishing credit for the first time can be frustrating. Most creditors want to see your credit history before they extend you credit. But what if you're just starting out? How do you obtain that first credit card or car loan? While there's no foolproof solution to obtaining credit for the first time, there is a logical sequence of events you can follow.
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Ensuring Your Credit for the Long Haul

How do life changes affect your credit score? As you contemplate entering a new phase in your life, plan for it as best you can in order to minimize any surprises.
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