Understanding Credit

Building Good Credit

• Why Should I Establish Good Credit?    
• What Do Lenders Look At?
• Top Seven Ways to Improve Your Credit Score
• Consequences of Lower Credit Scores
• Test Your Credit Score IQ
• How Do I Establish Good Credit?    
• Four Rules for "Good Debt"
• Ask Before You Get a Loan
• Credit Card: The Fine Print
• Review Your Credit Card Statement
• How Can Navy Federal Help?    
• Get Free Help Understanding Your Credit Report
• What Kind of Credit Do I Want?    
• Open-end and Closed-end Credit
• Choose the Credit Card that Fits
• Truth-in-Lending Act

Protecting Your Credit

• What Determines Your Credit Score?    
• About Credit Bureaus
• Check Your Credit Report
• Who Can Access My Report?
• How to Read a Report and Make Corrections
• Protecting Your Credit Cards    
• The Navy Federal CardGuard^® Program
• Payment Protection Plans
• View Statements Online
• Protecting Yourself from Identity Theft    
• If Identity Theft Strikes, Here's What to Do

Smart Borrowing

• How Should I Use My Credit Card?
• What Different Types of Loans Cost?
• Should I Borrow Against My Retirement Plan?
• Cosigning Loans—A Good Idea?
• The Payday Loan Scam
• Benefits of Borrowing at Navy Federal

Paying Down Debt

• What Is the Real Cost of "Minimum-Only" Payments?
• How Do I Get Out of Debt?

Use Calculators

• Credit & Debt Calculators

View Videos about Credit

• Managing Your Credit
• Protecting Your Credit

Download Helpful References

• Making Your Money Work for You
• Getting Out of Debt