What is Credit?

Ever wondered what is credit? Credit is more than just a plastic card you use to buy things - it is your financial trustworthiness. Good credit means that your history of payments, employment and salary make you a good candidate for a loan, and creditors - those who lend money or services - will be more willing to work with you.

Having good credit usually translates into lower payments and more ease in borrowing money. Bad credit, however, can be a big problem. It usually results from making payments late or borrowing too much money, and it means that you might have trouble getting a car loan, a credit card, a place to live and, sometimes, a job.

A bad credit history can haunt you for a long time - seven years or more. That's why the best thing to do is learn how to maintain good credit before there's a problem. While this might seem complicated at first, it gets easier once you understand the basics of credit and how it works.

Did you know that there are companies that keep track of whether you pay your debts and if you make payments on time? Then these companies make this information available in the form of a credit report and score.

Most creditors use credit scoring to evaluate your credit record. This involves using your credit application and report to get information about you, such as your annual income, outstanding debt, bill-paying history, and the number and types of accounts you have and how long you have had them. Potential lenders use your credit score to help predict whether you are a good risk to repay a loan and make payments on time.

Many people just starting out have no credit history and may find it tough to get a loan or credit card, but establishing a good credit history is not as difficult as it seems.

You might apply for a credit card issued by a local store, because local businesses are more willing to extend credit to someone with no credit history. Once you establish a pattern of making your payments on time, major credit card issuers might be more willing to extend credit to you.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

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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://voanews.com/english/2008-11-19-voa5.cfmcid=1273661327ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNEPSTcnxdnIXyGVqckzV8JJRpaxbQimg src=http://news.google.com/news?imgefp=Xg5a5zimv4UJimgurl=voanews.com/english/images/ap-Richard-Wagoner-Robert-Nardelli-Alan-Mulally-automakers-175-eng18nov08.jpg width=80 height=63 alt= border=1brfont size=-2Voice of America/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.google.com/hostednews/ap/article/ALeqM5hTlR_ry_mjT2nXKPWyYI4asuW1jQD94JM5B80cid=1273661327ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNF0BlACOaaDstk0zhmqxnQNzs6C_gGM, Chrysler making deep cuts to hold on for bloans/b/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1But industry analysts and bankruptcy experts say both companies must take similar measures to ensure their companies live long enough to use any bloans/b they b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/news/nation/washington/articles/2008/11/19/ailing_automakers_plead_for_25b_in_loanscid=1273661327ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNEPOCW_MdW9OSJZCyB0MZWY8xBPCgAiling automakers plead for $25b in bloans/b/a font size=-1 color=#6f6f6fnobrBoston Globe (registration)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://subscribers.wardsauto.com/ar/execs_reset_bailout_081119/cid=1273661327ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNGsOoo6JNGcw1qq_fFeFcynYDj2qAAuto Execs Reset Bailout Pitch; Republicans to Rewrite CAFE for bLoans/b/a font size=-1 color=#6f6f6fnobrWard's Auto (subscription)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Big-3-automakers-warn-crisis/story.aspx%3Fguid%3D%257BF7F654AB-DAD5-4873-938E-92BB7DA0EB73%257Dcid=1273661327ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNGFxBDvKyem-Ho4Sd8hjimch4_SJQBig 3 automakers warn of crisis without bailout/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/la-fi-bailout20-2008nov20,0,1807355.storycid=1273661327ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNFPiNRmzuT4_jxc6DPS9laI3q7HNQnobrLos Angeles Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaM8r4VZUP1Fw%26refer%3Dhomecid=1273661327ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNFbsLhIIwC2THgHoaYtpWI1uI3lKwnobrBloomberg/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=1273661327hl=ennobrall 1,683 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.marketwatch.com/news/story/LendingTree-Loans-Selects-IBM-Loan/story.aspx%3Fguid%3D%257BA6EFBE40-4CC0-4A5D-ABFA-FEC4187C5EB7%257Dcid=1272930891ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNG1mgoZVMdW0HJiuFTBuCI8XwiTdwLendingTree bLoans/b Selects IBM for bLoan/b Fulfillment Services/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1LendingTree bLoans/b(SM), the company#39;s consumer direct online mortgage lender, to provide comprehensive, private label mortgage bloan/b fulfillment services. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/wichita/stories/2008/11/17/daily43.htmlcid=1272930891ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNGqFn7929XwofIBsHdob7Q9grYDoALendingTree inks deal with IBM/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=1272930891hl=ennobrall 18 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://www.canada.com/topics/news/world/story.html%3Fid%3Dd7ad48d4-8789-437d-9ee2-022bf0a5a7d5cid=1273618955ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNFXVIW9is8FEUKDYxiqc29_cMxBEwimg src=http://news.google.com/news?imgefp=b2_WHVKjDYsJimgurl=a123.g.akamai.net/f/123/12465/1d/media.canada.com/idl/ntnp/20081122/ntnp_20081122_fp005_motorcityseeksa_95372_mi0001.jpg%3Fsize%3Dl width=80 height=80 alt= border=1brfont size=-2Canada.com/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.voanews.com/specialenglish/2008-11-20-voa4.cfmcid=1273618955ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNEKgXvysl67EykOO9ofTyy6xz53aQCongress Delays Action on Auto Industry bLoans/b/abrfont size=-1font color=#6f6f6fVoice of Americanbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1The chiefs of General Motors, Ford and Chrysler asked for twenty-five billion dollars in new bloans/b. Congress already approved twenty-five billion in b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE4AI13H20081119cid=1273618955ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNHJT8LjedonwMEmgRL9aATpcu2fkgFord says could wait on US bloans/b until 2009/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081119/OPINION05/811190346/1068/OPINIONcid=1273618955ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNEpXn5c3Pa2cquh2YGhcH5oXyqf7QbLoans/b to automakers make the only good deal for US/a font size=-1 color=#6f6f6fnobrDetroit Free Press/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nashuatelegraph.com/apps/pbcs.dll/article%3FAID%3D/20081123/OPINION02/311239928/-1/OPINION04cid=1273618955ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNFaVLMVgF6tybHN-Qw918y9ZIDVywCongress can#39;t afford not to help Big Three/a font size=-1 color=#6f6f6fnobrNashua Telegraph/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.theleafchronicle.com/article/20081119/OPINION01/811190303cid=1273618955ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNE-zYdcE-YuiiGamCSbPz_pVW-tiwnobrClarksville Leaf Chronicle/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.detnews.com/apps/pbcs.dll/article%3FAID%3D/20081122/AUTO01/811220383/1121/AUTOcid=1273618955ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNG0fUSnwuc5qXGJE9Gn-tvxQL0mTQnobrDetNews.com/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=1273618955hl=ennobrall 1,884 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.reuters.com/article/vcCandidateFeed2/idUSN2347228920081123cid=1273673153ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNEiphYdfk-RwWhuwhRYACo7pzbqPgObama backs demand for auto industry plan - aide/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr36 minutes ago/nobr/fontbrfont size=-1Congress has already approved $25 billion in bloans/b to help the industry change its US factories to produce more fuel-efficient cars. b.../b/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://sify.com/finance/fullstory.php%3Fid%3D14803562%26cid%3D20742cid=1273579195ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNEkhSftos1pt50CDR8ufJnHExaHzQimg src=http://news.google.com/news?imgefp=NCC6DJj0HOQJimgurl=im.sify.com/sifycmsimg/jul2008/Finance/14709882_Vikram_Pandit_newsimage.jpg width=80 height=53 alt= border=1brfont size=-2Sify/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.nytimes.com/2008/11/22/business/22bank.html%3Femcid=1273579195ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNFNJ5SFgGnvt6V4zQLwwLZnv6yf5AWoes at Citigroup Began With Failed Bid for Wachovia/abrfont size=-1font color=#6f6f6fNew York Times,nbsp;United Statesnbsp;-/font nobrNov 22, 2008/nobr/fontbrfont size=-1Then, on Tuesday, a report about imminent defaults on two large commercial mortgages sent the price of bonds backed by those bloans/b tumbling. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DMgEK9hUYlI4cid=1273579195ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNHsfpi_cgxBdWfDqWWB8JglLoTeAAVideo: Citigroup to Cut Costs and 53,000 Jobs/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/MgEK9hUYlI4/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/MgEK9hUYlI4type=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DacxKsnU5HOAI%26refer%3Dhomecid=1273579195ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNF5DY9o1D6WiDUOguajLwv3pemS7wCitigroup May End Up With US Government Rescue (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.iht.com/articles/2008/11/21/business/finance.phpcid=1273579195ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNHp2bIRXQabW1Iw2W-wu7jX-B-MzQCitigroup tries to halt plunge in share price/a font size=-1 color=#6f6f6fnobrInternational Herald Tribune/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.time.com/time/business/article/0,8599,1861332,00.html%3Fiid%3Dtsmodulecid=1273579195ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNFA4gn7YXLi5mAR4ungi_jqG0THvgnobrTIME/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122729058665748333.htmlcid=1273579195ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNHW5f9ZT9MOCpe75xL13chbMLm_uAnobrWall Street Journal Blogs/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=1273579195hl=ennobrall 1,666 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.statesman.com/business/content/business/stories/statesmanhomes/11/23/1123upsidedown.htmlcid=1273465247ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNGNGNbOWfOGdgBnhkHk4xsAosKMJAPlans change as some owners get upside down on bloans/b/abrfont size=-1font color=#6f6f6fAustin American-Statesman,nbsp;TXnbsp;-/font nobr23 hours ago/nobr/fontbrfont size=-1The threat of walk-aways prompted the Federal Housing Administration to tighten rules about bloans/b to buyers who say that rent from their old home will help b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://freeinternetpress.com/story.php%3Fsid%3D19233cid=1273465247ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNEw3EBoT2OIpYaz3gpn5qVDfdDZ6gThe Next Subprime Crisis Looms - FHA-Backed bLoans/b/a font size=-1 color=#6f6f6fnobrFree Internet Press/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bostonherald.com/news/regional/view.bg%3Farticleid%3D1134250cid=1273465247ei=mbwpSYLwM6bU6gPI0IDvCgusg=AFQjCNHRNr7bDR9fVLxVQkYnSNGp2sx3dQSpringfield gains aid from Federal Housing Administration/a font size=-1 color=#6f6f6fnobrBoston Herald/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=1273465247hl=ennobrall 4 news articles/nobr/a/font/div/font/td/tr/table
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