There are steps you can take to reach your goal of homeownership.  One of the first steps is to establish good credit.

 

In order to have good credit you have to behave responsibly with credit card purchases and credit card payments.

 

Irresponsible credit behavior has lasting effects

• Restricts purchasing power:

  • buying a computer

  • buying a car

  • buying a house

   

• Other impacts:

  • insurance rates

  • qualifying for a job

Before applying for that department store or major credit card ask yourself a few questions:

• Do I really need a credit card?

• What will I use it for?

• Will I be able to pay off my balance each month?

• Can I afford to make more than the minimum payment?

Do you want to live at home with your parents after you've graduated from college because of your credit card debt?