How do you become a Financially Sound Credit Risk? When buying things in today�s America, everyone�s first choice has become credit. �You are not really an adult until you have a car payment, a mortgage and credit cards. In 2002, the average person in the U.S. had almost $9,000 in credit card debt� (Brette Sember 3). So many aspects of our lives nowadays require having credit. Credit checks occur when buying a house or car, and when taking out loans for school, even when applying for some jobs. Let�s face it, you can get financing for almost anything your heart desires to buy from a hand held palm pilot to a Mercedes and every electronic gadget, piece of furniture and home improvement project in between. So what impact does having good or bad credit make on your lifestyle in today�s society? �Good credit, in a word, is power! It reflects your financial progress, character, and how others view your future prospects. Good credit also creates the financial leverage you need to borrow the money you need to build even more wealth� (Arnold S. Goldstein 15). Knowing that, the question......

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