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The best alternative to a credit card is a debit card. Sounds negative, doesn’t it?

Building credit is just like building anything else. You have to start somewhere and if you go slowly, carefully, and a little at a time, and have a plan, you’ll be more likely to be successful.

Good credit is easy and quick to wreck but takes a long, hard pull to repair. Do not fall for ‘credit fix’ ads. The only one who can fix your credit is you.

Be wary of anybody who offers you a ‘free credit report’ as a come-on for anything.

The safest way to build equity in your home is to buy a house for less money than your lender qualifies you for and with the biggest down payment you can manage.

Student credit cards are dangerously easy to come by and many a student has been seduced into spending unwisely, simply by being flattered that someone thought they were credit-worthy.

A secured credit card is a way a bank can help you earn or regain a good credit rating, but you have to have cash up front which is placed in a special savings account where it is held hostage until t

Among the vehicles that have been set up to help military families are credit unions and assorted websites and organizations to teach financial literacy.

You are allowed by law, one free credit report per year, per credit bureau. That means you can get three free credit reports per year.

There are two reasons to consider consumer credit counseling. The first is if you don’t feel confident that you can do what is necessary to regain control by yourself.