Without credit our lives would be very different. Without good credit improving the quality of our lives would be very difficult. Good credit begins when you establish your first credit record. In time these records become your credit history. By using credit sensibly and responsibly you build a "good" credit history.
• What is Credit?
• What is a Credit Inquiry?
• What is a Credit Report?
• What is Credit History?
• Why is it Important to Establish
a Good Credit History?
• What is a Credit or "FICO™" Score?
Generally, less than 20% of your monthly income should go toward paying personal debt. If you are paying more, you are probably struggling. It's time to reevaluate your spending.
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