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NeighborWorks America Working Together for Strong Communities Keys to My Home

Understand Your Credit

Using credit wisely is another important part of the homebuying process and your financial security. Your credit rating reflects your ability to borrow money and pay it back. Some people are afraid of credit and pay cash for everything; other people abuse credit and borrow more money than they can ever repay.

This section covers credit report basics, information about credit reports, and credit counseling and repair services.