Building Your Credit

Good credit affects more areas in your life than you might think, from applying for a job or renting an apartment, to financing a car or house. Maintaining good credit and knowing how to recover from a financial setback are key skill sets to secure future financial flexibility.

 


Basics of Credit

What are the 5 C's of Credit and how do they play a role in your ability to qualify for credit?

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Building Your Credit History

You’re ready to apply for credit, but where do you start? Here are some things you’ll need to know before you take the next big step.

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Paying Off Debt

There are a few tried and true options to help you pay down debt; however, staying committed to your financial goals and monthly budget are key to getting back on track financially.

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How to Qualify for Credit

Creditors use information about you and your credit history to decide whether or not you would be a low-risk candidate to lend to, and there are a few things you can do to increase the likelihood of qualifying for a loan or credit card.

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Your Credit Score

Credit scores measure credit worthiness. A credit score is issued by one of three credit bureaus to help lenders determine whether to approve you for a loan or credit card.

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Credit Card Tips

There are a few practical tips to follow to manage your credit responsibly and build or maintain a good credit history.

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Secured vs. Unsecured

There are two basic categories that most loan types fall into and it’s important to know the difference between the two.

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