Avoiding Credit Problems - CREDIT INFORMATION

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TODAY'S SAVING TIP  Type of negative informationMaximum time on credit report General civil judgments7 years from the date filed Tax liens7 years from the date paid (If tax lien is not paid, it will remain on the file indefinitely.) Chapter 13 bankruptcies ... Read more
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CREDIT INFORMATION: Avoiding credit problems


Credit is easy to use, but it can also lead to trouble. The ease of "paying with plastic" (using credit cards instead of cash) has caused many good people to go into debt and even bankruptcy. Remember these basic tips to avoid problems:
  • Plan a monthly budget that includes your regular expenses (food, rent, utilities, etc.) and credit payments, and stick to it.
  • Never take out loans or make credit charges that have payments that you cannot meet with your monthly budget.
  • Understand the credit terms before you sign anything, and get the lowest rates you can.
  • Do not have more credit cards than you need. For example, you might have one bank credit card and credit cards only for the stores where you shop most often.

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