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Credit Basics : Do you have good credit?

If you have ever borrowed money for a loan, or have any credit cards, chances are you have a credit file.

If you have made payments on time and these are creditors who report to the bureaus, you probably have good credit.

If you have late payments, bill(s) which have gone to collection, you have declared bankruptcy or liens have been filed against you, then you have bad credit.

You credit score is a determining factor whether you have good credit or bad credit.

Be sure check your credit at least once or twice a year!

And last on our short tour, if you think you might have bad credit, or just want to see what your credit score is... it's really easy to find out...

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