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How Credit Cards Work

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Credit cards have an interesting history. Learn how a credit card works, from the numbering system to how you can get rid of that high interest balance.

How Credit Reports Work

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Credit reports track your entire credit history. Learn about credit reports, how to see yours, and how credit reports affect your chances of getting a loan.

How Credit Unions Work

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Credit unions are not-for-profit institutions that are owned by their account holders. Learn about credit unions and credit union services.

How Credit Scores Work

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Your credit score determines how much you pay for life's needs. Find out about FICO and the Beacon system and get tips on raising your credit score.

How Credit Monitoring Works

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But does credit monitoring really help protect against identity theft? Learn how credit monitoring works at HowStuffWorks.

How Credit Reporting Agencies Work

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Credit reporting agencies collect your credit history. Learn about credit reporting agencies and your rights under the the Fair Credit Reporting Act.

Is it best to shop with cash, credit or debit?

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Is it best to shop with cash, credit or debit? Answer the question, "Is it best to shop with cash, credit or debit?" for yourself here.

How Lines of Credit Work

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A line of credit can be a useful tool for a consumer or small business owner. Learn how lines of credit work at HowStuffWorks.

How Do You Get a Copy of Your Free Credit Report?

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Where could you get a copy of your free credit report and do you do with it? Where can you get your free credit score? Find out at HowStuffWorks.

How Debit Cards Work

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Debit cards give you all the convenience of a credit card while limiting your spending. Learn all about debit cards at HowStuffWorks.

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