Understanding Credit 
What Is Credit?
Let’s start at the start—just what is credit? (and why do you need to worry about it?)
Maybe everyone should start their journey to better credit here….
In this section, you’ll find information that explains what “credit” is. Once you understand what “credit” is, you’ll start to appreciate how important a good credit score and a clean credit history are.
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Are You Prepared to Take a Credit Hit?
Are you prepared for three of the leading circumstances that eventually cause Americans credit to take a major negative hit?
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Divorce. Loss of income. Medical issues with no insurance. These 3 life changing events are the top ways a person may end up with major credit problems. Think about it. How many people plan for these events and the financial consequences that will follow? With proper planning and an emergency savings plan you may be able to avoid the credit problems that follow. -
How is Your Credit Reputation?
If you are like most people, your personal reputation is important to you. Maybe you want people to think of you as honest, or reliable. Or maybe you have worked on creating a reputation of being fearless or smart. How do you develop these reputations? You do it through your actions. You can’t just tell your friends: “I’m reliable”. You may have a great personal reputation, but how is your credit reputation?
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Let’s Face It: Bad Credit Is Expensive!
Your credit score can cost you millions over your life (or it can save you millions). Learn the difference between a bad credit score and a good credit score, and why you should spend a little time making sure you have a good one.
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Recent Credit Blog Posts
- Do “Credit Builder” Features Work?
- Credit Repair Companies Fined in Louisiana
- A Quick Check To See How Credit Reform Is Going
- Credit Card Issuers Get Tighter—Advanta To Yank Future Use of Some Business Cards
- Credit Card Rights: Disputing Credit Card Billing Errors
Featured Credit Articles
- Establishing Positive Credit (Part I of II)
- The Big Three Credit Bureaus: About the Equifax Credit Bureau
- Debt Collector Tactics—What to Expect (Dealing With Debt Collectors Tip #2)
- What Goes Into Your Credit History?
- The Big Three Bureaus: Credit Reporting Powerhouses
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“I had a very low credit score making it nearly impossible to get credit let alone any financial help. I signed up with Credit X-Pert's [a preferred partner of CreditScoreAide] hoping that they would be able to assist me. I had an identity theft on my report and from the very beginning Credit X-Pert's was very involved in helping me resolve that situation. They even went as far as contacting our local police force to urge them start legal actions. I am currently still enrolled with Credit X-Pert's and they are continuing on repairing my credit. The support they have given me has been unmatched and I would definately recommend their company to anyone with any type of credit problems.”Read More