What is Credit?

Ever wondered what is credit? Credit is more than just a plastic card you use to buy things - it is your financial trustworthiness. Good credit means that your history of payments, employment and salary make you a good candidate for a loan, and creditors - those who lend money or services - will be more willing to work with you.

Having good credit usually translates into lower payments and more ease in borrowing money. Bad credit, however, can be a big problem. It usually results from making payments late or borrowing too much money, and it means that you might have trouble getting a car loan, a credit card, a place to live and, sometimes, a job.

A bad credit history can haunt you for a long time - seven years or more. That's why the best thing to do is learn how to maintain good credit before there's a problem. While this might seem complicated at first, it gets easier once you understand the basics of credit and how it works.

Did you know that there are companies that keep track of whether you pay your debts and if you make payments on time? Then these companies make this information available in the form of a credit report and score.

Most creditors use credit scoring to evaluate your credit record. This involves using your credit application and report to get information about you, such as your annual income, outstanding debt, bill-paying history, and the number and types of accounts you have and how long you have had them. Potential lenders use your credit score to help predict whether you are a good risk to repay a loan and make payments on time.

Many people just starting out have no credit history and may find it tough to get a loan or credit card, but establishing a good credit history is not as difficult as it seems.

You might apply for a credit card issued by a local store, because local businesses are more willing to extend credit to someone with no credit history. Once you establish a pattern of making your payments on time, major credit card issuers might be more willing to extend credit to you.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

MORE RESOURCES:

Where did all that #39;lost#39; money go? - MSNBC

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Draft: Europe would guarantee inter-bank loans - The Associated Press

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LEARNING WITH THE TIMES: Anatomy of a crisis - Times of India

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• Qamp;A: Why the loans for auto makers? - MLive.com

Data prove untrue charges that push for affordable housing caused ... - The Miami Herald

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Europe to guarantee interbank loans: report - MarketWatch

Loans to low-income led to current crisis - Indianapolis Star

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Loans, Not Bailouts - New York Times

Fed eyes plan to fund short-term business loans - The Associated Press

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/8i-0fd=Rurl=http://www.cbsnews.com/stories/2008/10/07/business/main4505574.shtmlcid=1256993105ei=bnzySO3HFar6yASs9JW5Bwusg=AFQjCNHSpC6oHnZ5pHgY5fqTCiadM8X1Uwimg src=http://news.google.com/news?imgefp=YEgZEAZJ__YJimgurl=wwwimage.cbsnews.com/images/2008/10/07/image4505580g.jpg width=80 height=60 alt= border=1brfont size=-2CBS News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/8-0fd=Rurl=http://ap.google.com/article/ALeqM5jC0Js_XMSCt-GDAijc3qIbjuVZIAD93LEPVO0cid=1256993105ei=bnzySO3HFar6yASs9JW5Bwusg=AFQjCNFTqZCdYuM8D-b_jHFxHixuIY2XvgFed eyes plan to fund short-term business bloans/b/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobrOct 9, 2008/nobr/fontbrfont size=-1To help ease credit stresses, the Fed announced Monday it will provide as much as $900 billion in cash bloans/b to squeezed banks. It said 28-day and 84-day b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-1fd=Rurl=http://online.wsj.com/article/SB122359254275820945.html%3Fmod%3Dgooglenews_wsjcid=1256993105ei=bnzySO3HFar6yASs9JW5Bwusg=AFQjCNEZmKShTilPLkU4CcODCf9_Tu_i2wFed Discount-Window Borrowing Soars Again/a font size=-1 color=#6f6f6fnobrWall Street Journal/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-2fd=Rurl=http://ftalphaville.ft.com/blog/2008/10/07/16721/fed-eyes-drastic-move-into-unsecured-loans/cid=1256993105ei=bnzySO3HFar6yASs9JW5Bwusg=AFQjCNHI6zmMbA-ks2KWDa0U5MwPpptpfwFed eyes drastic move into unsecured bloans/b/a font size=-1 color=#6f6f6fnobrFT Alphaville/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-3fd=Rurl=http://www.kansascity.com/105/story/833162.htmlcid=1256993105ei=bnzySO3HFar6yASs9JW5Bwusg=AFQjCNGpbfBz12DO8qQgjlOUCWkFUHtivgUS Treasury considers ownership stake in banks; global interest b.../b/a font size=-1 color=#6f6f6fnobrKansas City Star/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/8-4fd=Rurl=http://caps.fool.com/Blogs/ViewPost.aspx%3Fbpid%3D96514%26t%3D01006124249416869148cid=1256993105ei=bnzySO3HFar6yASs9JW5Bwusg=AFQjCNECPVCPlZ-csXUx0Ceit5NkMQVfKQnobrMotley Fool/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/8-5fd=Rurl=http://www.opednews.com/articles/THE-FED-NOW-OWNS-THE-WORLD-by-Ellen-Brown-081008-216.htmlcid=1256993105ei=bnzySO3HFar6yASs9JW5Bwusg=AFQjCNG0Ax4A1ab5dkhI50IXKckBloAlLAnobrOpEdNews/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256993105hl=ennobrall 402 news articles/nobr/a/font/div/font/td/tr/table

Black farmers consider new suit over denied loans - WREG

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