No person was born with credit (good or bad). Each person has to establish credit on his or her own.

It's not as tough to establish or rebuild credit as you may think.

Credit cards are now becoming easier to get – and at a younger age.

Depending on your spending habits and how you manage your money, a credit card can be used as a convenience tool or as a ticket to your financial ruin.

Depending on your spending habits and money management skills, credit cards can be a useful financial tool or a ticket to financial ruin.

The Fair Debt Collection Practices Act (FDCPA) was enacted in 1996 to protect individuals from all debt collectors.