TY - BOOK AU - Heath,Julia A. TI - Credit and borrowing T2 - Personal finance essentials SN - 9781604139884 : AV - HG179 .H374 2012 PY - 2012/// CY - New York PB - Facts On File KW - Credit KW - Finance, Personal N1 - Includes bibliographical references (p. 113-115) and index ER -