The "American Dream" is becoming a reality for even more families than ever before. According to the U.S. Department of Urban Development and Housing (www.hud.gov) more than 67.7 percent of Americans are now homeowners. This is probably the highest homeownership ever.

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What is credit? What is a credit report? What is a credit rating? Anywhere might I safely and securely get a copy of my credit report for free? These are some of the most important questions in personal finance also they'll be tackled in this document. The theme of credit scoring is now a very popular topic, and for valid reason. For many years, the general public only associated the concept of credit scoring with the need to invest in high'ticket items such as for example a brand new car or maybe a house.

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