Obtaining credit for the first time or having good credit to finance a purchase can be instrumental when you decide to make larger purchases, such as a home, equipment, land, or even a business. This manual will hopefully help you first understand how credit is used, and then how it can play a significant role in furthering your lifestyle. It will also provide some valuable information to help you make informed decisions as you engage in credit transactions. Even if you’re already credit savvy, or simply need to improve your credit, this guide can still help you with the basics of debt and credit management.