Managing Credit

A guide to putting your credit to work

The Basics

Good credit is essential to acquire the financing you need at different points in your life, like when you want to buy a car, a house, or pay for an education. And understanding credit is the first step to putting it to work for you instead of against you.

How to Build Good Credit

Below are tools and resources for building the credit you want to get the loans you need.

Consolidate Your Debt

Combining multiple credit account balances into a single monthly payment can yield a lower interest rate, meaning more of your payment goes toward the initial loan amount. The following resources can help you decide the best time — and the best way — to consolidate.