Introduction
Introduction
- Introduction
- What's Your Credit Rating?
- Reasons for Being Denied Credit
- Using Your Credit Card Safely for Internet Purchases
- Reestablishing Credit
- Talk to Your Creditors
- Collection Agencies
- Credit Counseling
- Alternative Ways to Pay Off Your Debt
- Paying Your Debt to Uncle Sam
- Bankruptcy
A credit report is a summary of your credit history. You should take a look at yours, especially if you have problems with debt.
Our "cashless society" makes having available credit absolutely necessary.
How much credit you get will depend largely on what your credit report says. The information on it will determine your credit rating. The first step in managing your credit is to understand the possible reasons for being denied credit. It is also important to understand how to safely use your credit card for Internet purchases.
Even if you have a poor credit history or have declared bankruptcy, there are things you can do to reestablish credit. You also have certain rights if you are approached by a collection agency. And you may benefit from the services of a credit counseling agency.
Investment and insurance products and services are offered through Osaic Institutions, INC. Member FINRA/SIPC. FNB Wealth Management Services is a trade name of First National Bank. Osaic Institutions,Inc and the bank are not affiliated. Products and services made available through Osaic Institutions, Inc. are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. MAY GO DOWN IN VALUE.
