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No doubt you already know that credit is the ability to pay your bills on time. This translates into your ability to obtain money or merchandise with the understanding that you will pay for them at a later time.It was through credit that you obtained items such as a car, a house, a computer, even a vacation. Without credit, you would never have had liquid cash to pay for these items on an up-front basis.

Generally speaking, there are two types of credit available to you: Secured and unsecured.

Secured credit

is a loan that uses the item you will purchase with the funds as its security. This means that the lender owns the item until you pay for it in full (like a car or a house).

Unsecured credit

is a loan that is given solely on the reputation and credit-worthiness of the borrower, where the lender has faith in your ability to repay the loan amount. This is also known as a signature loan.

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