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Understanding Credit

Whether you’re buying a car or home, or applying for a credit card, your credit score affects almost every aspect of your financial life. Make sure you understand exactly what a credit score looks like, how it works, how to get it, how it impacts you, and how to change it if necessary.

Understanding Your Credit Card Statement You may cringe at the thought of opening it each month, but understanding all the numbers and the fine print is important - on both the front and the back.		About FICO Scores A credit score is a thee-digit number that’s a shorthand way to express the raw data in your credit report.
Credit Card Safety Tips for using credit cards safely.	Credit Reports A credit report is issued by an independent credit reporting bureau...	Maintaining Credit Score Seven years — that’s how long information remains on your credit report.
Fix/Change My Score Your rights, including what steps you can take to correct your credit, can be found by reviewing the Fair Credit Reporting Act.	Credit 101 Your pre-requisite to a healthy financial future.	Managing Your Credit Tips for using credit wisely.
Tips to Manage Your Credit Card 10 Tips to consider when using credit cards		Help With My Credit A resource developed to educate and assist customers who have questions about or are struggling to make their credit card payments.

Federal Reserve Consumer Credit Information

The Facts About Credit Cards by CardPolicyInfo.com

Advice from Card Issuers

Citi
Bank of America
Bank of the West
JP Morgan Chase

-Chase Clear & Simple
MasterCard
U.S. Bancorp
Visa
Wells Fargo

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Pay down your debt. Make the most of what you've got. Put away a little something for the future. If you would like a copy of Citi’s Commonsense Money Guide mailed to you, please email CCF@fsround.org.

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