(PDF) Everything You Need to Know About Credit

Many people don't realize the value of good credit until they need it and don't have it. Credit is used for more than just credit cards. You need credit for buying or renting a home, getting a new job, and even for getting cell phone or other utility services. Creditors and lenders can deny you if your credit is not in good shape. Mani Hatami gives easy-to-understand advice about how to improve your credit score.