How credit works

How credit works explains the system behind credit scores, loans, and interest. Credit can help you, but it can also punish you if you do not understand the rules.
This section covers what scores measure, how lenders evaluate you, and what actions help or hurt your profile. We explain utilization, payment history, inquiries, and why small habits matter over time.
You will also learn how to rebuild credit after mistakes and how to avoid debt traps. The goal is to help you use credit as a tool that supports your life instead of a system that controls it.