How to Establish Credit
No person was born with credit (good or bad). Each person has to establish credit on his or her own.
Establishing Good Credit
It is not as tough to establish or rebuild credit as you may think.
Credit Cards
Credit cards are now becoming easier to get and at a younger age.
Mastering Your Credit Card Debt Load

Depending on your spending habits and how you manage your money, a credit card can be used as a convenience tool or as a ticket to your financial ruin.

10 Rules For Managing Credit Cards
Depending on your spending habits and money management skills, credit cards can be a useful financial tool or a ticket to financial ruin.
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) was enacted in 1996 to protect individuals from all debt collectors.
FTC Amends Free Credit Reports Rule

Advertising for "free credit reports"now requires  new disclosures to help consumers avoid confusing free offers.

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