Understanding Credit & Credit Reports

Building Good Credit

• Why Should I Establish Good Credit?    
• Top Seven Ways to Improve Your Credit Score
• Consequences of Lower Credit Scores
• Test Your Credit Score IQ
• How Do I Establish Good Credit?    
• Four Rules for "Good Debt"
• Ask Before You Get a Loan
• Credit Cards: Four Questions You Should Ask
• How Can Navy Federal Help?
• What Kind of Credit Do I Want?    
• Open-end and Closed-end Credit
• Choose the Credit Card that Fits
• Truth-in-Lending Act

Protecting Your Credit

• How to Request Your Credit Report    
• What Determines Your Credit Score?
• How to Prevent ID Theft    
• What to Do If You’re an ID Theft Victim
• Ten Tips to Online Security
• Payment Protection Plans

Smart Borrowing

• What Different Types of Loans Cost?
• Should I Borrow Against My Retirement Plan?
• Cosigning Loans—A Good Idea?
• The Payday Loan Scam
• Benefits of Borrowing at Navy Federal

Paying Down Debt

• What Is the Real Cost of "Minimum-Only" Payments?
• How Do I Get Out of Debt?

Use Calculators

• Credit & Debt Calculators

View Videos about Credit

• Managing Your Credit
• Protecting Your Credit

Download Helpful References

• Making Your Money Work for You
• Getting Out of Debt