Credit & debt

Used wisely, credit is a powerful financial tool; but if used carelessly, it can lead to a heavy debt load. Whether you've accumulated debt or are considering credit options, understanding the essentials of credit and debt management will help you remain on solid financial ground.


Credit cards
The advantages of credit cards are numerous – quick access, fraud protection, bill consolidation, convenience. But what about the responsibilities? Understanding credit card basics is essential to choosing and using your cards wisely.
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Credit history
To get a glimpse of your financial future, businesses look at your financial past. This history is contained in your credit report and impacts your ability to qualify for a loan, rent an apartment and more.
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Debt
If you're in debt, you're not alone. Many people battle with debt, and sometimes it's hard to know – or admit – if you have a problem. Find out how to take charge of your finances and get on the path toward a solid financial future.
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Identity theft
When your private financial information gets into the wrong hands, the consequences can be devastating. Yet there are many ways you can help protect yourself, from taking precautions while online to checking your credit report periodically.
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