HOW CREDIT AFFECTS OUR LIVES

Shelter: leasing an apartment or purchasing a home; Transportation: leasing or purchasing a car; Utilities: Ordering gas, lights, cable, phones; Education: financing for your child; Employment: Applying for certain jobs; Products: Computers or Appliances; Business: Starting a company; Emergencies: A credit card for unforeseen events; Savings & retirement: Lowered interest rates and savings.