Understanding the Function of Credit

What is Credit?

Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame. Lenders base their decisions on who they should lend to by using your credit rating.

Your credit rating is a numerical score that is based on your payment history. From your credit cards and loans right down to your phone bill, you will find a recording of each payment. It reports whether you pay your bills on time or if you are constantly late. And if you are frequently late, it records the amount of time taken to make that particular payment. Your credit report is pulled (viewed) every time you apply for a loan, credit card and even to have a phone line installed.

Good Credit vs. Bad Credit

How important is it to have clean or good credit? It's very important because the worse off your credit is the harder it will be for you to secure a loan of any sort. It is important to keep on top of your credit finances and make sure that every payment is made on time and always make sure that you pay at least the minimum amount but always try and pay more if you can.

If you currently have bad credit, you shouldn't worry too much as there are ways to still secure a loan such as having a cosigner. If you choose to go this route, remember that you are both responsible for the loan as it will be taken out in your names. Also, there are many institutions that work with people with bad credit and they will assist you with the repair of your credit file. Here's a list of a few companies to assist you:

CreditAxis.com, DebtAdvocates.cc, Lexington Law Firm and more. Simply go to your favourite search engine and type in "Credit Repair" and see how many companies show up in your search. Warning: Be wary of those companies that promise to repair your credit promptly ? ie "3 months or less". Credit repair takes time, so do your homework before you commit to one company to assist you.

Your Credit File

If you have bad credit, the first step to repairing it is to pay off all of your bad debts. This is debt that is overdue and not up to date. You may not know this, but this information may stay on your file for up to 7 years. To assist you in this, I suggest that you get a copy of your credit report from one of the credit reporting agencies such as Equifax. Look it over thoroughly because you may find some mistakes which can be easily corrected with either a simple phone call or with supporting documentation.

Sheldon C. Smith is the owner of http://www.sheldoncsmith.com, a site dedicated to keeping the public informed and educated about the mortgage and credit process.

In The News:
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/newsOne/idUSTRE4995W320081010cid=1256210871ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNFPnSlKGwmovGW9vtO1_16vrbwZNwimg src=http://news.google.com/news?imgefp=nbbZ3C7b-ZMJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081010%26t%3D2%26i%3D6335468%26w%3D192%26r%3D2008-10-10T150253Z_01_BTRE49915SW00_RTROPTP_0_USA-POLITICS-OBAMA width=80 height=55 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/newsOne/idUSTRE4995W320081010cid=1256210871ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNFPnSlKGwmovGW9vtO1_16vrbwZNwObama offers plan to offer bcredit/b to small firms/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1Obama told a campaign rally in Chillicothe, Ohio that he would put in place a bcredit/b facility for small businesses similar to one set up after the September b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kttc.com/Global/story.asp%3FS%3D9159319%26nav%3Dmenu1348_2cid=1256210871ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNFAhzz1aWj7O_WErKgO6d00OFVwaQObama pledges bcredit/b help for small businesses/a font size=-1 color=#6f6f6fnobrKTTC/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://nhbr.com/apps/pbcs.dll/article%3FAID%3D/20081010/NEWS01/810099925cid=1256210871ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNG2gPU72YU0V0fH6tCEWPsbTKLI_QWho#39;s best for small business?: Barack Obama/a font size=-1 color=#6f6f6fnobrNew Hampshire Business Review/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/11/us/politics/11retire.html%3Fref%3Duscid=1256210871ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNH2aenOSOBcB1TuLTkv4JL3Ah3fAwCandidates Present 401(k) and Small-Business Plans/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://firstread.msnbc.msn.com/archive/2008/10/10/1528327.aspxcid=1256210871ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNFlG03tpc2NzJmHrXx6nb_wAobaDgnobrMSNBC/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://usliberals.about.com/b/2008/10/10/while-mccain-slings-mud-obama-proposes-smart-rescue-plan-for-small-businesses.htmcid=1256210871ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNHTYUE2zdLaxhp2dhoMzIRSZqGlnwnobrAbout - News amp; Issues/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256210871hl=ennobrall 35 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mercurynews.com/breakingnews/ci_10692136cid=1256292417ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNEUdGoQHjP32kiDwokc5uDIUfWZvQTax bcredit/b extension gives huge boost to solar industry/abrfont size=-1font color=#6f6f6fSan Jose Mercury News,nbsp; USAnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1By Matt Nauman In what promises to be a huge boost for Silicon Valley#39;s solar industry, the extension of the solar tax bcredit/b bundled into the recent b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/tampabay/stories/2008/10/13/story3.htmlcid=1256264812ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNErCi1HgGOq3g25wvRS_Ahfz9Yv5wbCredit/b line expirations force costlier debt terms/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1While conceding the terms were probably not as good as the company could have gotten in a different bcredit/b environment, “we’re quite pleased with the terms b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.businessweek.com/ap/financialnews/D93NQCBG0.htmcid=1256190062ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNEI58InsU2Fjz9np51aRSthMhKhVQRackspace borrows $150 million from bcredit/b line/abrfont size=-1font color=#6f6f6fBusinessWeeknbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1Rackspace Hosting Inc., which offers Web hosting and other data services, said Friday it had drawn $150 million from its revolving bcredit/b line as a b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/sanantonio/stories/2008/10/06/daily44.htmlcid=1256190062ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNFtVrpAuBGFNfDpyNWaSn54YcO2qgEconomic uncertainty worries leads Rackspace to draw on bcredit/b line/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256190062hl=ennobrall 27 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://ap.google.com/article/ALeqM5g8-DEMtAE9q4i4ySQ0eV_qZefmRQD93LO7GG2cid=1255009308ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNEp55M6O7jOV7Yx1cvxLP6vH_6H2wimg src=http://news.google.com/news?imgefp=mKDprCH5rU0Jimgurl=ap.google.com/media/ALeqM5gFfBPUrHb0CHV_czyCv9TJuYQqqA width=69 height=80 alt= border=1brfont size=-2The Associated Press/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.atimes.com/atimes/Global_Economy/JJ11Dj03.htmlcid=1255009308ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNE0xyl1gG1rg01vByKYuEVDVtofPAMonetary Stalinism in Washington/abrfont size=-1font color=#6f6f6fAsia Times Online,nbsp;Hong Kongnbsp;-/font nobr19 hours ago/nobr/fontbrfont size=-1Fed policy has disabled the price mechanism in capital markets and set off uncontrolled bcredit/b expansion at the expense of capital productivity and b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DFa_Zw2Ty_Xocid=1255009308ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNH2ytU99G1jKu_5_tUzaZ8dqYSsKgVideo: Bernanke: More Economic Pain Ahead/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/Fa_Zw2Ty_Xo/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/Fa_Zw2Ty_Xotype=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/usMktRpt/idUSN0748399620081007cid=1255009308ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNG0szwEaJy7jsvw0690dR3VQToWKg* Financials lead sell-off as bcredit/b worries mount/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/eastbay/stories/2008/10/06/daily30.htmlcid=1255009308ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNEKPMe6xlNv8NgbTjf2MaxLVpLSIQStocks down despite government moves to free up bcredit/b/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3DawcwOBcGPWeA%26refer%3Dnewscid=1255009308ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNEdAjHH4hSB3sTmOV7i6e3T03L2RAnobrBloomberg/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122342093304713129.html%3Fmod%3Dgooglenews_wsjcid=1255009308ei=qzrwSInjLaiY6AOkrNm3Bwusg=AFQjCNHRzkqHICKJC9nvgXQ3KId2nM_bmAnobrWall Street Journal/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255009308hl=ennobrall 1,778 news articles/nobr/a/font/div/font/td/tr/table
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