credit.

Everyone knows the importance of good credit. You see commercials on tv about it, the idea of it is drilled into our minds with “freecreditreport.com” commercials on at all times, and people saying they can build your credit and end your worries. Are these commercials the answer to your worries though? Surely there has to be some way to have good credit, without a silly song or someone doing it for you.
This day and age credit is everything, and as a general statement, nearly everyone recognizes the need for a good credit score. There is rarely a day that goes by that I don’t get the songs stuck in my head, proof enough that the information is out there. If you google credit you get over 600 million results. Every store now has a credit card, they’re easy to get hold of but are they good? Sure, they can raise your credit in an instant if you use them correctly, but they have a way to do the opposite just as quickly. When making any large purchase, a house, or a car, or taking out a loan, your credit is checked. Some jobs even check your credit. Its obvious that credit means more then just how you handle your money. They’re checking to see what kind of person you are, if you are reliable and trustworthy.
As a college student I recognize the need for good credit. I have been blessed with parents who looked at my future, saving money for 18 years to pay tuition and fees. My parents have always paid they’re bills on time and if the money wasn’t there, we did without. I guess you could say they taught me well, the one credit card I own has a $150 max. I could pay it off at anytime. I know the need for good credit, and now that I’m “on my own” I’m doing everything I can to put my credit score at the top. I’ve witnessed bad credit issues. I know money stress and that’s not what I wish upon myself. I never have to worry and I know when to stop the swiping.
The best advice is to use your head, not your desires when making decisions when it comes to credit cards. They can affect your future both good and bad.