Credit counseling connects you with trained counselors who explain budgeting, debt options, and steps to rebuild credit. It provides guidance and structure, but success depends on your actions.
A clear, practical guide to what credit scores are, how they're calculated, where to get your reports, and how to learn more - without the jargon.
Adverse credit is negative information on your credit report that lowers your credit score and can lead to loan denials or higher interest rates. Common causes include late payments, collections, public records, bankruptcy, and identity theft. You can check reports, dispute errors, and take steps to rebuild credit.
Practical steps to budget, compare financing, and buy a new or used car - focus on total cost, credit, pre-approval, and shorter loan terms.