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Understand, Build and Manage

Your Credit Whether you’re buying a home, a car or applying for a credit card – lenders want to know the risk they’re taking by lending your money. Understanding how credit plays an important role in your life is an important step to improving your credit scores which can often help you qualify for better rates from lenders, which can save you money.

We believe the more insight you have about credit, the easier it is to strengthen your financial well-being. For more than a decade, has been America's number one Credit Repair provider of credit information. In addition to credit report repair, we offer help online to teach you how to successfully manage your credit rating.


What's in a credit report?
What's a credit bureau?
What's included in a credit report?
What's NOT included in a credit report?
Types of information in a credit report
Where does the information come from?
Who can see my credit report?
What is a credit score?
How are credit scores calculated?
What is a "fico" score?

We give you the inside scoop...

First Things First Your Credit Report
FICO and You
Next Things Next Finding Your Score
Establishing Good Credit
Repairing Your Credit Score
Identity Theft and Your Credit
Raising Your Credit Score

Establishing Good Credit

So you don’t have any credit to speak of, but you have big plans for the future. Maybe you are a fresh college graduate or a young person eager to buy your first new car.

If you never had to use credit before, first of all BRAVO! Of Course, it is best to pay cash for the things you need so that you don’t have to worry about credit card payments, loan payments, or interest rates.

But is you are young, the chances of you needing credit in the future are very real. Someday you might want to buy a house. Perhaps you will want to buy a new car. Chances are good that you will not have the cash outright to buy these high ticket items which means you will need credit. Plus it is always good to have a little credit since many utility companies will look at your credit to turn on your power bill, for example, without a deposit of some type.

One great way to start establishing credit is to apply for store credit cards (Sears, JC Penney, etc. Once you get the cards make a few small purchases and pay them off completely. Do this a few times over the course of a year and you will find yourself with some established credit with an excellent payment history. DO NOT go overboard and buy more than what you can pay for, though.

You can also apply for a secured credit card. These cards ask that you place a certain amount of money in your account for which you will receive a charge card. Then you can make purchases up to the amount of money that is in your account. Credit reporting agencies treat these cards just like a regular credit cards and look to them as a responsible way for you to establish a good credit history.

You will have a checking account to establish credit. This lends to your credibility with lenders and shows that you are able to manage your money effectively.

When applying for a credit card of any type, be sure to ask if they report to any of the credit reporting agencies. As we have said before, they are not required to do so, and they don’t, having one of these cards or loans won’t do you a lick of good even if you make payments on time.