University of FloridaSolutions for Your Life

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Publication #FCS7236

YOU and YOUR CREDIT: Series of Seven Parts, Bound as a Single Document1

Joan P. Elmore, Sarah M. Ellis, Michael S. Gutter, and Travis P. Mountain2

Click on this link to download the entire YOU and YOUR CREDIT series as one pdf document:

Below are links to each of the YOU and YOUR CREDIT series.

Credit Dos and Don'ts:

Credit Card Basics:

Managing Your Credit:

Credit Reports:

Credit Scores:

Home Ownership and Credit:

Further Resources:

Series of Seven Parts, Bound as Single Document: PDF version —



This document is FCS7236, one of a series of the Department of Family, Youth and Community Sciences, UF/IFAS Extension. Original publication date September 2008. Revised April 2012 and May 2016. Visit the EDIS website at


Joan P. Elmore, Extension agent IV, UF/IFAS Extension Jackson County; Sarah M. Ellis, Extension agent I, UF/IFAS Extension Citrus County; Michael S. Gutter, financial management state specialist and assistant professor; and Travis P. Mountain, former lecturer, Department of Family, Youth and Community Sciences; UF/IFAS Extension, Gainesville, FL 32611.

The Institute of Food and Agricultural Sciences (IFAS) is an Equal Opportunity Institution authorized to provide research, educational information and other services only to individuals and institutions that function with non-discrimination with respect to race, creed, color, religion, age, disability, sex, sexual orientation, marital status, national origin, political opinions or affiliations. For more information on obtaining other UF/IFAS Extension publications, contact your county's UF/IFAS Extension office.

U.S. Department of Agriculture, UF/IFAS Extension Service, University of Florida, IFAS, Florida A & M University Cooperative Extension Program, and Boards of County Commissioners Cooperating. Nick T. Place, dean for UF/IFAS Extension.