Managing Your Credit and Debt

Introduction

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.

Share Article:
Add to GooglePlus

Securities and Investment Advisory Services are offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products are offered through LPL Financial or its licensed affiliates. Heartland Planning Associates is a trade name of Heartland Bank. Heartland Bank and Heartland Planning Associates are not a registered broker/dealers and are not affiliated with LPL Financial.  The investment products sold through LPL Financial are not insured Heartland Bank deposits and are not FDIC insured.  These products are not obligations of Heartland Bank and are not endorsed, recommended or guaranteed by Heartland Bank or any other government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.  The LPL Financial representatives associated with this website may discuss and/or transact securities business only with residents of the following state: Ohio. Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

Not Insured by FDIC or Any Other
Government Agency
Not Bank
Guaranteed
Not Bank Deposits or
Obligations
May Lose
Value