credit history your financial reputation. what is credit? credit is a promise

Credit History Your Financial Reputation

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Credit History

Your Financial Reputation

What is credit?

Credit is a promise

Why is Credit History Important?

A credit history shows your financial reputation.

Page 4: Credit History Your Financial Reputation. What is credit? Credit is a promise

How to establish credit history

Apply for a secured credit card Secure a loan with a CD Obtain a retail credit card Authorized user on parents’ account Make monthly payments on an item in

your name

Page 5: Credit History Your Financial Reputation. What is credit? Credit is a promise

How do I check my credit history (report)?

Check at least once a year Major companies that keep track:

Equifax Credit Information ServicesExperianTrans Union

https://www.annualcreditreport.com/cra/index.jsp

Page 6: Credit History Your Financial Reputation. What is credit? Credit is a promise

How to maintain a good credit history?

Only apply for one card at a time Pay on time Pay more than the minimum Protect your identity Don’t spend more than you make

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