You see the ads in newspapers, on TV, and online. You hear them on the radio. You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims: “Credit problems? No problem!”
The last thing on most college students’ minds is their credit score. But at the same time, this number will define their financial lives for years to come. And making poor choices today could impact their lives for decades.
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A credit score is a number lenders use to help them decide: “If I give this person a loan or credit card, how likely is it I will get paid back on time?”
Let’s face it, now a days, a high credit score isn’t easy to achieve. Not only do you have to master the basics — maintaining positive payment history and a low debt to credit ratio, but in order to be part of the upper echelon, you must pay attention to details as well.
We have come to accept that our credit history will be pulled and checked if we want to borrow money.
What is a credit report? If you’ve ever applied for a credit card, a personal loan, or insurance, there’s a file about you.
These days, many consumers are becoming more conscious about the role their credit scores play in their everyday lives, but at the same time, they may not know exactly what goes into it, and what they can do to improve it.