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Control Credit - Debt

Credit can be a good thing – if used wisely it can help you establish a good credit history and can save you money and offer financial freedom. If you start having problems managing your credit, however, it affects your ability to do the things you want in life, including renting an apartment and buying a car or condo. Some employers now ask for your credit history as part of the hiring process. So, a bad credit history can negatively affect your chances for landing your dream job!

Why Is Credit So Important?
Your credit history, or credit report, is a financial report card. It includes an overview of your financial past and present, detailing both your current credit and how you've managed your credit over time. Your credit report information is also used to determine your credit score. More...

Choose the Right Credit Card
Beware of the free t-shirts! Credit card companies want your business. They'll do anything to win your service, including giving away freebies like food, phone cards, and t-shirts. Don't sign up for a credit card just for the free stuff  - compare credit cards to make sure you're getting the best deal. More...

Using Loans and Student Loans
Many college students find that to finance their education, they need to use a combination of savings, credit cards, loans or part-time work. Determine the best route for you. More...

Prevent Identity Theft
Identity theft occurs when your personal identification, credit or account information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft is a costly and dangerous crime - one that can ruin your credit. Learn how to protect your personal information. More...

Manage Your Debt
The key to using credit wisely is control. Control how much you spend, how quickly you pay it back and the types of items purchased. Once you are in debt, however, the best way to manage it is to minimize it. More...

Establish Good Credit
To establish and maintain good credit, you need to build a good credit history. The road to good credit includes paying at least the minimum amount due on each account every month, and paying on time. More...

Fixing 'Bad' Credit
If you do not have a good credit standing, there is no need to despair. There are ways to correct the poor ratings, at least over time. Get tips on managing your credit use and improving your credit standing. More...

Eliminate Debt with the Roll-Down Method
The roll-down method to eliminating credit card debt applies two simple principles to minimizing credit card debt More...