CREDIT EDUCATION

Establishing And Rebuilding Your Credit

A well-established credit history can make your life much easier. Everything from buying cars to getting a new job can be impacted by your credit history. You should begin to build good credit as soon as possible.

Read more about establishing and rebuilding your credit.

Debt to Income Ratio

Thinking of purchasing a big-ticket item soon? Maybe a new car, that fancy refrigerator you’ve had your eye on or a home? Well, even if you've paid your bills on time and think you can swing the payments, you should also consider your debt-to-income ratio.

Read more about the concept of debt to income ratio.

Thinking of Using a Credit Repair Service to Clean Up Your Credit? Think again.

"Credit Repair" as advertised on radio, TV, and the Internet tends to be, at best, a waste of money and, at worst, a scam that would simply defraud you or (perhaps worse) involve you in fraud yourself. Even if a credit repair company is legitimate, there's nothing they can legally do that you can't do yourself at no cost. This is because there really is no legal way to "repair" bad credit if the history thereof is accurate--only time can do that.

Read more about credit repair services.