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The average American household has 3-4 credit cards and anywhere from 3,000-12,000 in credit card debt. Do you know how to use credit wisely? How can you play a game fairly if the rules have never been explained to you? When I turned 18 my mailbox was stuffed with pre-approval options for every credit card under the sun. Without knowing the rules to the game, I responded to several of them and every time a store clerk offered me 20% to do an application at a department store I accepted. Little did I know I was setting myself up for failure. Take a look at these videos and see how I used these concepts to dig myself out of the hole and purchase my first home at the age of 22. 

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Need some extra help contact my credit specialist Brandon Hughes to get an analysis of how to improve your credit score and build your basis for your financial well-being.