Your credit score and your credit report are signs of your financial health. Good credit allows you to access cheaper loans and save money when you buy a home or a car. Paying your bills on time is one key element to maintain good credit. Choosing the right credit cards also allows you to make smart financial choices. Even if you have bad credit, there are ways to deal with your situation and eventually improve your credit.

  • Your Credit Score
  • Your Credit Report
  • Dealing with Bad Credit

Understanding Credit

Your Credit Score

Your credit score matters. It might be the difference between getting a loan or rejected. Your credit score affects your interest rates on mortgages, car loans, and personal loans. Property owners or sometimes employers check your credit score. helps you learn about credit scores, how to establish one and how to improve your credit score.

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Your Credit Report

Your credit report is a snapshot of your loans and debts. It shows how much credit you carry and whether you pay your bills on time. It is important to monitor your credit report and dispute any inaccurate negative items. shows you how to get a free credit report, monitor your report, dispute items, and repair your credit.

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Dealing with Bad Credit

Bad credit is often due to an unexpected financial hardship such as a job loss or a serious medical illness. However, it might be due to poor financial habits. Get advice on bad credit loans, when to take one and when to avoid them. In addition, also offers you advice on how to find a debt solution that meets your financial situation.

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