CreditHelpJournal.com

In today’s way of life, your credit matters.  Do not underestimate how important your credit history and credit score are.  Almost everyone uses credit in their lives.  Especially on major purchases such as houses or vehicles.  The better your credit history and score, the better the terms on the money you are borrowing.

When I was in college, credit card companies were handing out credit cards to all of us.  You did not even need a job to get the credit card.  You were allowed to use your annual tuition fees as your “income” on the credit application.  Luckily I was smart enough not to get in trouble with all the available credit they were handing out but many of my friends were not.  They started off their credit history with bad debts they could not pay back.

I knew that my credit mattered for the rest of my life, so I was smart in using it.  Because of my discipline I was able to save thousands of dollars on my future borrowing for major purchases such as my home and many vehicles I have financed.  I had an excellent credit history and credit score so I was able to get favorable loans.

Just remember your credit matters.

Rawlin James