Learn How to Get Credit Happy

The secret to achieving credit happiness is to manage credit strategically.

Bad credit is a drag and serious source of financial stress that can lead to both physical and mental health problems. By learning how to manage credit strategically, you can reduce your financial stress and get credit happy.

The benefits of being credit happy

• Being able to apply for loans and lines of credit with confidence
• Qualifying for low interest rates that help you save money over time
• The ability to take advantage of the best loans and credit card offers
• Being able to maintain a balanced budget that supports your goals
• Covering emergencies and unexpected expenses without relying on credit

Why are Americans are struggling to get Credit Happy?

• Consumers owe over $4.1 trillion in debt^[1]
• We have over $1 trillion in revolving debts, like credit cards
• We also owe over $1.5 trillion in student loans^[2]
• Average annual income in the U.S. is $78,635 but annual expenses total up to $61,224^[3]

Taking the right steps to get credit happy

1. See where you stand with your debt, budget.
2. Find effective methods for managing credit cards and other debts.
3. Fix your credit and maintain a clean profile.
4. Develop strategies for using credit the right way to maximize your score.

2 Factors that Determine How Easy It Is to Get Credit Happy

There are two key components to using credit that determine how easy it is for you to get credit happy.

Credit card debt management

Credit cards aren’t the only type of credit that people hold, but they’re often the most problematic. Learning advanced techniques for managing and controlling your balances helps you maintain stability and avoid financial hardship. That’s why we’ve created a comprehensive guide to managing credit card debt correctly.

Get credit happy by controlling your credit card balances »

Fix your credit, boost your score

The second key to get credit happy is to learn how to achieve and maintain a high credit score. You need to know basic techniques, like how to review your credit reports and correct mistakes you may find. You also need to understand how credit scores are calculated, so you understand how to achieve the score you want.

Learn how to achieve a happy credit score »