Lenders are becoming stricter about the loans they offer, and this comes at a time where many Americans are struggling to make ends meet. Having good credit history can help anyone get through a tough period, such as being laid off at work, or unexpected bills. We will all need to use a line of credit at some point, but if it is not available to us, we may not have very many options to get money. Title pawn and payday loans may seem appealing, but they are very high risk and expensive. Website such as Paylessbills.com are a great resource in learning about personal credit, loans and insurance. Anyone’s best option is to build a good credit.