Having good credit is essential in todays world. Acceptable credit will generally get you what you want, but bad credit can be the kiss of death. If you want a house, you need a mortgage. If you want a car, youre likely going to take out a loan. Anytime you apply for credit, the lender is going to pull your credit report to determine whether or not you are a good credit risk. Not everyone is a good credit riskbut there is something you can do to make sure you become one.
Millions of Americans have poor credit, and many are in debt because of high interest credit cards. Credit card companies often target low-income families by providing them with high interest credit cards, but they arent the only ones to fall in debts trap. In fact, one million Americans file for bankruptcy each year. Bankruptcy isnt the answer for everyone, but there are several things you can do to get your credit healthy again.
First, make a budget and stick to it. Save money by clipping coupons, buying items on sale and not eating out as much. Dont buy something on a whim. Go home and think about it first. Chances are youll never go back. Remember, buy only what you need.
The money you...
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