It would be great to never rely on loans or credit cards, but eventually you may need them. Before you borrow, know how to read your credit report, understand the terms of your loan or credit card, and make sure you get the best deal.
Free Credit Reports
You can get free credit reports once per year online at AnnualCreditReport.com, which is the official site for consumers to obtain their free annual credit report. The Federal Trade Commission has lots of information to help you maintain a good, clean credit report.
Consumer Credit Reporting Companies:
Protect your finances by defending yourself against identity theft through phishing. Safe computing guidelines can be found at Information Security's site on phishing.