# What is a credit report
The Challenges and Benefits To Managing Credit
Disclaimer: This article is brought to you by Transitional Finances, LLC. Some say credit is TABOO, but I think otherwise. Ask yourself, "Why is credit taboo? What is so scary about it?" Well, a lot of people are afraid to be in debt. They hate owing others money. It's uncomfortable, particularly if you cannot afford to repay them. Whether you're $500 or $5 million in debt, not having a plan to pay off debt is a nightmare that too many people live with. I am not trying to scare the amazing people reading this informative and creative-thinking article. It is simply about instilling the importance of credit. If you are scared of credit, this article is for you. If you'd like to learn more about credit, come on in. If you've been taught that cash is king, welcome to the party. If you use your debit card rather than your credit card, you are the main priority for this article. I am happy that you are here to learn about Self Love and Credit.