IN THE BEGINNING

WHAT IS CREDIT?

CREDIT IS YOUR LIFE. It is a picture of the financial decisions you have made, for better or worse.

This book, will play an important role in helping you make better financial decisions in your life.

It’s no wonder so many people end up with bad credit. After all, as I said, establishing and keeping good credit is not taught in school.

Rebuilding your credit is imperative to achieve your dreams. With good credit, you will have less stress in your life. Understanding credit is the first step in reaching financial goals.

You are probably already somewhat familiar with the concept of credit. It is how you earn a reputation for paying your bills on time, making it possible for you to obtain money or goods with the understanding that you will pay for them later.

Chances are you have already put your credit to work for you, for better or worse. Do not worry. Understanding your credit and accepting responsibility for your past is all that matters in going forward.

You can’t change your past, but you can learn from it to change your future.