money 2

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  • Ive never learned anything about this.
  • Okay, so I'll teach you a little about credit so you can get back on track with your life and be more responsible.
  • I have one question. What is credit?
  • It's the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.
  •  There are two types of credit: Closed end credit, which includes all types of mortgage lending and car loans and should be repaid in full. And open ended, which is pre-approved loan between a financial institution and borrower it can be used repeatedly up to a certain limit and be paid back an payments. 
  • What else should I know?
  • Maybe I just wont have any credit? Then I can avoid more debt!
  • Not exactly! Credit can be good for many things, a good credit score is essential for loans and buying houses.   
  • So how can I get my credit score up?
  • There are a lot of things, paying off your loans, paying your bills on time, and avoiding penalty fees on your credit card.
  • But I don't have a credit card!
  • What?! You are ging to get one right away, a credit card if you manage it correctly can show banks and companies tat you are reliable and is a good way of bringing up your credit score
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