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Your Credit, Your Home, and Your Future: A Guide to Better Credit, Money Management, and Responsible Homeownership

In this case, similarly to credit supply, we also use the lagged value of Ci but in this case it is intended to capture habit persistence in credit demand. Admittedly, in this case the reverse causality issue cannot be fully eliminated. YDi, IDi and IvDi are activity variables which seek to reflect the effect on demand for external finance of a general expansion of business activity and/or investment activity. The prior is for a strong positive association; a weak statistical association between the dependent variable and these activity variables would suggest the presence of distorted. | Your Credit Your Home and Your Future A Guide to Better Credit Money Management and Responsible Homeownership M Freddie io Mac We make home possible Your Credit Your Home and Your Future Contents Your Credit Your Home and Your Future.1 1 Your Credit and Why It Is Important.3 2 Managing Your Money.6 3 Goal Setting.16 4 Banking Services An Important Step.18 5 Establishing and Maintaining Good Credit.27 6 Understanding Credit Scoring.36 7 Thinking Like a Lender .39 8 Avoiding Credit Traps .43 9 Restoring Your Credit .50 10 Planning for Your Future .53 11 Becoming a Homeowner .54 12 Preserving Homeownership Protecting Your Home Investment .65 13 Glossary of Terms .73