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Credit

Credit is more than just a plastic card you stuff in your wallet.  It is your financial trustworthiness.  If you have ever applied for a credit card or personal loan, there is a file about you.  This file is known as your credit report and provides information on where you live, how you pay yours bills, and whether you have been sued, or have filed for bankruptcy. 

Having a good credit report means it will be easier for you to get loans and lower interest rates.  Lower interest rates usually mean that you will pay smaller monthly payments.  On the other hand, bad credit can be a burden.  Bad credit is generally caused by making late payments or borrowing excessive amounts of money.  Bad credit can make it difficult to get a car loan, credit card, house, and sometimes a job.