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Building Credit

Strong credit can be a major advantage in today's world. It can provide buying power in emergencies or when cash is tight. Good credit can save you hundreds or thousands when financing a large purchase like furniture or a car. Credit can even be important to getting a job.

Things to know:

  • Check your credit reports (free!) at least once a year at www.annualcreditreport.com.
  • Keep your credit in check ... pay on time and only borrow what you know you can pay back.
  • Establish a credit history to have good credit when you need it.
  • An ESL Visa®​ Secured Credit Card is a great tool for establishing, reestablishing, or building good credit.