Credit Smart Book

Get Smart About Credit

Take steps to Smart Credit. Get your credit and debt under control. Build your credit, wipe out debt and lower your bills.

"It's God's will for you to live in prosperity instead of poverty. It's God's will for you to pay your bills and not be in debt." --Joel Osteen

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We're here to help you get smart about credit, whether you are establishing credit for the first time, getting more credit, or managing and protecting the credit you already have. Take steps to Smart Credit today with the information we've gathered in this web site. Get your credit and debt under control, build your credit, wipe out debt and lower your bills.

What is Credit?

Whenever you make a purchase today with the promise to pay for it tomorrow, you are using credit. Having credit lets you make purchases when you don't have cash available.

We at want you to be smart about credit. We believe your life will be better if you understand your credit situation and all the choices you have when it comes to borrowing. With all the concerns about today's economy, and consumers¡¯ level of debt, it's more important than ever. Whether you are looking to establish credit, improve your credit standing, get credit or pay down your credit obligations, we are here to help.

What is Credit good for?

Absolutely everything. That answer may surprise some, but having good credit will allow us to buy things we would otherwise have to save for years to afford: homes, cars, a college education.

If you haven't used credit, it's a good idea to start because more and more businesses require you have good credit before they extend products or services to you. The following page will show you How to Establish Credit.

Credit Basics

It's so easy to make severe credit mistakes because no one's going to make sure you understand credit before you start using it. Taking the time to understand credit will help protect you from bad credit later down the road.

Credit is an important component in everyday life. It is an important financial tool, letting us buy the things we want in life sooner, helping us to manage our cash flow, and it can be especially useful in emergencies.

But credit is also a big responsibility. It should be used wisely, because using credit to spend beyond your means can lead to unmanageable debt and serious financial trouble. The more you know about credit ¨C how it works and how to use it effectively, the easier it is to use this powerful tool wisely.

First and foremost though, remember that credit is not the same as cash in your pocket. Not only does it have to be repaid, it also comes at the price of interest.

Maintaining a strong credit rating is very important.

Businesses will review your credit history when they evaluate your request for loans, insurance, employment, and even leases. They may choose to grant or deny your request based on your credit history provided that you receive fair and equal treatment.

Manage and Maintain Good Credit

What is a Credit History?

Creditors and lenders report your every move to credit bureaus. They share this information whenever you make a new application for credit. Your credit information is compiled in a credit report and scored using a credit score.

Your credit history affects your credit and your financial future. Creditors look at your financial history using your credit report to determine how much money they are willing to lend you, and at what interest rate and terms.

Control your Credit Cards so they don't control you

Do you cringe when you open your credit-card bill? Credit cards can be powerful tools - if you know how to use them wisely. Learn how to choose the right credit card for you and how to get credit card debt under control with with these expert tips.

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