Money Smart News

March is National Credit Education Month. Understanding credit and credit scores is essential to making informed financial decisions. Credit scores affect a person’s ability to qualify for loans and favorable interest rates on credit cards, auto loans, and mortgages. Helping people learn how to build and manage credit—such as paying bills on time, keeping balances low, and understanding credit reports—helps them avoid common pitfalls, like missing or late payments on bills, and support their long-term financial stability...