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keep track of all your purchases

don't spend too much money

pay off your balance at the end of the month

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- keep credit cards close
-shred anything with credit card numbers on them
-Don't sign blank credit card receipts.

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maintain good credit score
1. pay bills on time
2.don't open too many accounts
3. keep balances low
4.establish a credit history
5. better your score better rate you'll get from the lender.

Your score impacts  interest rate you receive if you have good or bad credit.

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credit websites:

1. https://www.creditkarma.com/

2. https://www.consumer.ftc.gov/articles/0155-free-credit-reports

3. https://www.experian.com/consumer-products/free-credit-report.html

4. https://www.freecreditreport.com/

5. https://www.transunion.com/annual-credit-report

whats a credit report ?
is a report on how good or bad you been paying off the money you owe

what do you see on a credit report ?

date you opened the account

accounts you have with them

your credit limit

the payment balance

and how much you owe to the bank

false information on a credit application is illegal

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Credit Karma uses your credit profile to show you curated recommendations. Plus, you can see your Approval Odds¹ before you apply without impacting your scores.

If you are new to credit, putting away as little as $10 per paycheck could help your score go up. Just a few clicks and you could be approved instantly to start improving your credit in as little as two months.

You're eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. Members with a credit score of 619 or under could see an increase within 2 months. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts.

Relief roadmap connects you to government support and personalized debt relief options.

Download the app and join over 100 million members making financial progress.

Editorial insights to help you reach your financial goals.

¹Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the product shown, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

The Credit Builder plan is serviced by SeedFi and requires a no-fee SeedFi line of credit and SeedFi savings account provided by Cross River Bank, Member FDIC. You're eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. With Credit Builder, you may be able to elect to enroll in the optional AutoSave program, which allows you to automatically save as little as $10 per paycheck if you contribute biweekly or semimonthly and as little as $20 per paycheck if you contribute monthly. If you do not elect to enroll in AutoSave, any contribution you make to Credit Builder may not be less than $10. Please see our FAQs. Banking services for Credit Karma Money Spend account is provided by MVB Bank, Inc, Member FDIC. Maximum balance and transfer limits apply per account. Credit Builder is not provided by MVB Bank.

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Free credit scores and tools to make financial progress

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Credit Karma uses your credit profile to show you curated recommendations. Plus, you can see your Approval Odds¹ before you apply without impacting your scores. If you are new to credit, putting away as little as $10 per paycheck could help your score go up.

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Experian,Equifax, and Transunion.
-Gather information on credit users.
- sells to business offering credit, like banks, finance companies.

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open up a saving and checking account

get a job

ask an adult to get you a credit card

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Character
capacity
Capital

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Ex: Bob went to buy a washing machine and dryer for $350 altogether plus sales and the interest 5.6 % if you keep the machine and dryer for 3 years.

interest + principal * rate * time

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disadvantages of credit

1.companies will encourage you to spend money that's not yours

2. interest on the amount you don't pay off

3. credit card fraud

Advantages of credit

1. you don't have to carry cash

2. establish credit  if you pay it correctly

3. protection of purchases you make

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Installment loans-monthly payments specific amount of time.
single payment loan- not paying anything until end of loan period.
Promissory note-written promise to repay based on debtor's credit history.
Secured loan-lender sell collateral to get back payment of loan if you don't repay it

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capital one
chase bank
bank of America
american express