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What comes to mind first when you think of credit? Credit cards? Perhaps… it’s the most popular and easiest to get—particularly among young people. However, there are several types and not all credit is equal. What is common between types of credit is that they all charge interest, have late fees, minimum payment requirements and most importantly, have to be paid back. Before applying for any new line of credit, read the fine print so you know exactly what you are signing up for.

Credit Scores

So my payments tend to be a few days late, what’s the big deal? Plenty…want to rent an apartment, turn on the lights, or watch cable? How about buying a car or even getting a better job? You may be surprised, but your credit score impacts all of these and much more! Besides late payments, how many credit cards or loans you have; how much you owe; how long you’ve had credit and how many times you’ve applied for it will affect your score. Read on for more information on how to get your credit score as well as how to protect it.