Today it's a lot easier to get the cash you need than it was 50 years ago. It's easy to establish credit, once you know how. And you have a lot more sources to borrow from. But the bottom line is still the same:

First, it costs money to borrow money. So you need to make sure you're making the best use of your credit options.

Second, your credit is a precious commodity that's hard to replace once you lose it. You need to protect your credit carefully.

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Your Credit Options

When you need to borrow money, you have a lot of options. Here is a quick guide to what some of those lending terms mean and what types of credit instruments are best for your need.

How to Establish Credit

It's easier to borrow money once you've established good credit. And it takes time to establish good credit. But here are some simple rules that you can follow.

How To Protect Your Credit

It's easier to borrow money once you've established good credit. And it takes time to establish good credit. But here are some simple rules that you can follow.

What If You Can't Pay On Time?
It's easier to borrow money once you've established good credit. And it takes time to establish good credit. But here are some simple rules that you can follow.



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