Borrowing money—or “credit,” in financial speak—is an essential tool in your personal financial toolkit. When managed well, credit makes it easier to achieve life’s goals.
Sometimes, it makes good financial sense to borrow today for something that can significantly improve your life or your family’s, now or in the future.
A credit report is your credit “report card,” used by lending institutions to decide what kind of credit you’re eligible for, and at what rate.
You’re entitled to a free credit report from each credit reporting agency at least once a year.
Use this calculator to help you determine how you could pay off your credit card, based either on a desired timeframe or monthly payment amount.
Use this tool to compare monthly payments, total interest, and total tax savings between your existing loans and credit cards with a new loan into consolidating all your debts.
Use this calculator to help you determine whether paying off your debt or investing the same amount would be a better financial decision.
Once you have your credit report, you need to make sure it’s correct.
In determining your FICO score (credit score), several factors are weighted.
Every year, make your free request for all three credit reports and check your reports and your score.
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