How to manage credit and staying out of debt
Sega Bunn
US101
07/29/2012
Kimberly Phelps

Better credit equals less stress and easier life. Do you understand credit score and how they work? Is your credit up to par or do you get denied everywhere you go. If you don’t understand credit or you get denied for credit lines a lot you should take look at this information to get a better understanding of what credit is and how it works. Then maybe you can start working toward that dream car or home that you want.

How to Managing credit to stay out of debt. The three major credit agencies are
Experian, Equifax, and Transunion. These credit bureaus keep track of your credit information. Things like loans, credit card and bills. Have one bad score in one of the three bureaus can make your credit bad and stop you from getting approved for thing like auto loans and home loans. A good credit score is anything 700 and above. The longer your credit history of on time payment the better your score will be. Keep track of your credit report. At least use the free annual credit report that you can receive from each of them once a year. You can do this on annualcreditreport.com

Thing you should avoid when trying to keep you credit good high interest loans. These loans will make you lose a lot of money in the long run you will end up paying way to much pack and falling behind because the interest rate is so high. Don’t use you credit cards for everyday expenses eventually you will max them out. Always make payment on time you should try to pay the full balance every month. Using on credit card to pay off another is also a bad idea also try to spend less than you make every month so

you want have to sacrifice other things.

This following information was to help you get a better incite on credit and how it works.
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