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This NebGuide discusses how to obtain credit, suggests steps to take if credit is denied, and provides guidelines for managing your credit accounts.
Buy now -- pay later! How many times have you been encouraged to use future income to pay for present needs and wants? Indeed, credit has become a way of life for many American consumers. While abuse of credit has created problems for some, credit itself should not be viewed as a villain. When used properly, credit can be an effective tool to help individuals and families reach financial goals. While credit can be an important part of a financial plan, the amount used must be controlled carefully.