The Truth About Credit: It’s Not the Enemy—It’s a Tool For many, the word credit comes with a sense of dread. Maybe you grew up hearing: “Don’t get credit cards.” “Stay away from debt.” “Credit will mess you up.” There’s a reason families pass down this advice, usually born from difficult experiences. They witnessed loved ones struggle under debt, wrestle with bad credit, and make mistakes that were hard to fix. But here’s the truth: The problem was never credit. The problem was a lack of und...