Voice for Business

Establish your credit
If you plan to borrow money or financing in the future and have no credit, follow these steps to set:
* Open a savings account or checkbook in your name. Your deposits and withdrawals show that you manage your money responsibly.
* Request a credit card from a store or local gas station. It is usually easier to get a card if you have these credit facilities. Always pay on time and without fail.
* Request a secured credit card. These are cards that you ensure your own money through a deposit and represent a lower risk for the lender.
* Request a loan or credit card with a person who has established credit. A co-signer agrees to pay the debt if you can not afford it. Keep in mind that a loan is a financial obligation for you.

Protect your credit
When someone steals your personal data and illegally use your credit debts are accumulating on your credit report and lower your score. The most common scams include:
* Credit Card Offers asking for an advance fee before submitting your application. If you receive one of these calls, request not to contact you again and hang up.
* Announcements, individuals or organizations that claim to improve or fix your debt or credit. Many times they do the opposite: to declare bankruptcy, which stays in your credit report for ten years. Choose an advisor or credit counselor carefully. The Department of Housing and Urban Development sponsors housing counseling agencies that can help with mortgage-related credit issues, rents, etc.. The Justice Department also has a list of approved credit counseling agencies.
* Requests by phone or e-mail appear to be government agencies or financial. Many times they are really scams to steal your personal information. Do not spread your data and prevent identity theft.

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