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What is Credit?


Ever wondered what is credit? Credit is more than just a plastic card you use to buy things - it is your financial trustworthiness. Good credit means that your history of payments, employment and salary make you a good candidate for a loan, and creditors - those who lend money or services - will be more willing to work with you.

Having good credit usually translates into lower payments and more ease in borrowing money. Bad credit, however, can be a big problem. It usually results from making payments late or borrowing too much money, and it means that you might have trouble getting a car loan, a credit card, a place to live and, sometimes, a job.

A bad credit history can haunt you for a long time - seven years or more. That's why the best thing to do is learn how to maintain good credit before there's a problem. While this might seem complicated at first, it gets easier once you understand the basics of credit and how it works.

Did you know that there are companies that keep track of whether you pay your debts and if you make payments on time? Then these companies make this information available in the form of a credit report and score.

Most creditors use credit scoring to evaluate your credit record. This involves using your credit application and report to get information about you, such as your annual income, outstanding debt, bill-paying history, and the number and types of accounts you have and how long you have had them. Potential lenders use your credit score to help predict whether you are a good risk to repay a loan and make payments on time.

Many people just starting out have no credit history and may find it tough to get a loan or credit card, but establishing a good credit history is not as difficult as it seems.

You might apply for a credit card issued by a local store, because local businesses are more willing to extend credit to someone with no credit history. Once you establish a pattern of making your payments on time, major credit card issuers might be more willing to extend credit to you.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.


MORE RESOURCES:


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5 Ways to Avoid Student Loans  The Motley Fool

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Morehouse College Graduates’ Student Loans to Be Paid Off by Billionaire  The New York Times

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FTC, Manhattan Prosecutors Probe Costly Small-Business Loans  Washington Post

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Billionaire Robert F. Smith Pledges To Repay Loans For 2019 Morehouse College Class  NPR

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As Thousands of Taxi Drivers Were Trapped in Loans, Top Officials Counted the Money  The New York Times

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Massachusetts Senate weighs no-interest loans for marijuana businesses  MassLive.com

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Taylor Smith graduated college with 11 student loans and $53000 in debt.


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Americans now owe more than 1.5 trillion dollars in student loan debt. That's more than we owe on our cars, credit cards and second only to mortgage debt.


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High-level diplomacy is being used to secure the artist's most important works for blockbuster anniversary show in Paris.


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"Because of student loans we are literally driving tens of thousands of older Americans into poverty"


Oprah Schools Instagram Hater With Receipts After Student Loan Diss  HuffPost

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Robert F Smith made the commitment to graduates at Morehouse College in Atlanta, Georgia.


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Minnesota United has sent Ecuador international forward Romario Ibarra on loan to Liga MX side Pachuca, both clubs confirmed on Tuesday.


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Elizabeth Warren calls Navient ‘scammers’ after student loan giant celebrates making the Fortune 500  MarketWatch

The company is facing multiple lawsuits from the CFPB and states attorneys general.


Elizabeth Warren Wants to Cancel Student Loans. Critics Wonder if That’s the Right Solution.  The New York Times

While many borrowers welcomed a one-time loan clearance plan, it also raised long-simmering questions about the cost and quality of college.


Wall Street Journal: McKinsey hired to review federal student loan program  CNN

Washington (CNN) The Trump administration is retaining the consulting firm McKinsey to assess the federal student loan portfolio as the government weighs ...


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The Consumer Financial Protection Bureau (CFPB) Director Kathy Kraninger may have been blasted for her bureau's poor oversight of predatory student loan ...


Cleveland City Council targets $200,000 toward loan program to jump start new small businesses  cleveland.com

The city will partner with the non-profit organization Kiva Microfunds to help make startup loans to as many as 60 small businesses over the next three years.


Student loan forgiveness: millennials deserve a break from boomers like me  Vox.com

Boomers like me who paid off all of our student loans need to give millennials a break.


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