An Introduction to the World of Credit

what is credit and why is it so important?

Credit is your financial statement to the world. It does more than simply reflect your current financial standing. It also contains a detailed history of your financial existence over the course of your life. Now more than ever, you must be ever mindful of how your actions will affect your credit and how your credit will affect your life.

Whether you are applying for a job, mortgage or auto loan, credit or store card, rental dwelling, or personal, student or business loan, your credit is, and will always be, the basis of judgment in establishing your worthiness. In a nutshell, your credit determines how you are perceived by

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