Used wisely, credit is a powerful financial tool, but if you're not careful, it can lead to a heavy debt load. If this has already happened to you, know that you're not alone. Current non-housing debt in the United States is reported to be in the trillions. Whether you've accumulated debt, or are considering credit options, understanding the essentials of credit and debt management will keep you on solid financial ground.
Credit Cards Credit cards have advantages like convenience and fraud protection but there are also responsibilities to consider. Learn credit card basics and their part in your overall finances.
Credit History Your financial past is contained in your credit history which is what many business look at before issuing you a loan. Learn how to best leverage your credit history and report.
Debt Debt is a reality for most Americans. How much you have, and how you manage it, are key to financial success. If your debt seems overwhelming, start tackling it today.
Identity Theft When your private financial information gets into the wrong hands, the consequences can be devastating. Learn what actions you should take if you fall victim to identity theft.