Credit… it’s a term you hear often and one that greatly impacts your life, both financially and personally. Credit is an agreement in which you get something now by promising to pay for it later, by paying interest on the borrowed amount. Credit comes in several forms, such as auto loans, mortgages and of course the obvious, credit cards. When used wisely, credit is a great financial tool to help achieve goals. This guide will help you sort through the different types of credit as well as offer ways to best manage your credit and avoid/reduce debt.