Debt and credit
Understanding the relationship between how much you owe (debt) and how much you can borrow (credit) can help you avoid financial pitfalls. Learn how to manage both responsibly.
Start with the basics.
Not sure how your credit score is calculated, or why it even matters? Want to get the most out of your credit card? Learn how to start paying down your debt and build a good credit history.
Top related products
Credit cards
A credit card can be a convenient, secure way to make purchases and offers rewards like travel miles and cash back — and it can help you build a good credit history.
Secured credit card
If you have a limited credit history or your credit score has taken a hit, a secured credit card can help you build or rebuild your credit. These cards may offer no annual fees and a variety of benefits, like zero liability and travel perks.
Check your credit score
Understanding your credit score can help you stay on top of your financial well-being. Regularly review your credit report, dispute inaccuracies and monitor your credit to maximize your score.
Personal loans
A loan offers quick access to the money you need for almost anything, like managing debt, paying for home improvements, or covering unexpected expenses.
Auto loans
A new auto loan can help you get on the road and build credit. Making on-time payments for the length and amount of the loan can help boost your credit score and lower your interest rate for future loans.
Home loans
For most homebuyers, a mortgage is essential. A good credit score can help when you’re shopping around to find the best interest rates, and closing costs and fees, so you can save big on your dream home.
Tools and resources
Tools
Resources and support
- Review Your Credit Report See note 1 (Opens new window)
- NFCC Credit Counseling See note 1 (Opens new window)
- Member Debt Solutions
- Disputing Errors on Your Credit Reports See note 1 (Opens new window)
- Guide to Reviewing Your Credit Report See note 1 (Opens new window)
- Home Loan Assistance