Becoming Financially Fit Controlling
Finances		 Credit
Basics 		Protecting
My Money 		Finding a
Good Job 		Getting an
Education		 Owning
a Home
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How can I track my credit?

What is a credit report?

Who puts these reports together?

Who looks at my credit report?

How do lenders review my credit reports?

Am I credit worthy?

What does good credit mean?

I want to read my credit report. How do I get one?

How do I read my credit report?

When should I read my credit report?

How do I correct errors on my credit report?

How can I learn my credit rights?
Questions and Assessment
Stay on Track
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Credit Basics III
Stay on Track

• Order your free credit reports at least once per year and read them all. Don’t hesitate to ask a mentor, friend, or your Habitat advisor for help reading your report.
• Know what to look for in each section of your credit report.
• Be prepared to dispute errors, and to take good notes during the dispute process.
• Know the difference between “hard” and “soft” credit inquiries and which one is more important.
• Two to six months before you need credit, look for a job or an apartment, connect to a utility, or shop for insurance, read your credit report. You may be able to fix errors to improve your credit before someone needs to read to your credit report. If your credit report is in bad shape, be prepared to talk about this with whoever will be looking at your credit report. You may be able to work something out ahead of time. Being upfront about a bad situation may get you ahead.


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How Financially Fit Are You? Find out now!
• What is credit?
• What does "good credit" mean?
• I want to read my credit report.
• What is a credit score?
 
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