Your Credit:  Friend or Foe? You Decide

Learn What you Can About Your Credit and Make Your Credit Your Friend

This website is about your credit. It is about all aspects of your credit.

We will be showing you how to build your credit ... or how to rebuild your credit. How to get your credit report ... or how to clear up your credit report.

We'll be pointing you to the sites of the 3 major credit bureaus as well as topical sites provided by the Federal Trade Commission. Want a free credit report or need credit counseling? We will show you what the FTC has to say.

We will be showing you how to check your credit score ... and how to raise your credit score. How to start checking your credit ... and how to go about improving your credit.

You'll also learn how the 3 major credit bureaus keep track of your credit history. And how, if by chance you manage to get yourself into credit trouble and develop a bad credit history, how you can begin to deal with your bad personal credit.

We'll touch on such topics as how you might go about securing a bad credit personal loan to maybe help in consolidating some of your debt. We'll also cover a little about banruptcies and a bankruptcy alternative or two.

This site is an ongoing project so check back from time to time.

Use Your Credit Wisely:  Master Your Credit ... Don't Let Your Credit Master You

You'll notice the use of the word "your". It is YOUR credit after all. And what you decide to do with your credit will have a significant impact on the quality of your life - for better or for worse.

You can decide to use credit as easy money, instant gratification and get in way over your head, making you a bad credit risk. Or you can decide to budget your financial resources wisely and use credit as a tool.

Either way you can be sure that the 3 credit reporting bureaus are watching your every move and keeping score on every credit based financial transaction that you make.

If you damage your credit by not paying your credit payments on time you will find yourself having a difficult time with the necessities of life that most of us take for granted.

Things such as car loans, a mortgage for a new home, a rental unit in that new apartment complex, that new job and even a credit card. All of these things can be denied to you if you damage your credit.

So, instead of spending time fixing your credit, spend the time on a household budget and determine to use YOUR CREDIT wisely.