Credit is not something which should be abused. Credit is a tool to be respected and to be used in a disciplined manner. Credit should not be relied on to make purchases when you are short on cash. Whether or not you have had credit problems in the past, you should make a commitment to yourself that your credit future will be guided by responsible decisions.

There are 3 steps to responsible credit management:

1. Honor your agreements with your creditors and pay your bills by their due dates.

Make a commitment to yourself from this day forward to pay all your bills on time.

2. Set up a budget.  

Keep track of your finances and budget your spending so you will have enough money to pay off your bills. For help in budgeting, click here.

3. Review your credit reports.  

   Correct any inaccurate, misleading, or incomplete information on your reports. To get a free copy of your credit report click here.