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Hyperink
The College Student's Guide To: Credit Scores
The College Student's Guide To: Credit Scores
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This book is part of Hyperink's best little books series. This little book is over 3,700 words of fast, entertaining information on a highly demanded topic. Based on reader feedback (including yours!), we may expand this book in the future. If we do so, we'll send a free copy to all previous buyers.
ABOUT THE BOOK
College students need to build positive credit history so that they will have a foundation for financial success after they graduate. Strong credit scores enable students and former students to live in the apartment of their choice and qualify for loans to buy a car or a house. Some jobs, particularly those in the financial sector, also require applicants to have a positive credit history.
Unfortunately, many students come to college with little or no understanding of what credit scores are, the factors that influence them or how to protect their credit. As a result, students often make mistakes with their credit while they are in school. It's common for students to sign up for credit cards they don't really need and use the cards irresponsibly, pay bills late or take out large student loans that can impact their credit for years to come. As a result of these actions, students often graduate college with large debts to pay back and negative remarks on their credit score. If this happens, it may be more difficult for the student to get a high-paying job or an apartment in a nice area.
EXCERPT FROM THE BOOK
It's not necessary to find out the exact score, as lenders vary as to the scale they use. Instead, students should be looking for delinquencies, high balances and any other negative information on their credit reports so that they can get an idea of how strong their credit history is.
If students want to get an estimate of their credit score, they can use free services such as Credit Karma.com. These services require students to input personal information such as their name and Social Security number. After they input this information, they will receive a free estimate of their credit score. Students can check their credit score as often as they wish using these free services to ensure that their credit history is still positive.
In addition to checking their credit, students need to learn how loans and credit cards affect their credit. The best way for students to learn how to use credit responsibly is to get a credit card, but poor credit decisions stay on their credit report for seven years. Students' parents can help protect them from using credit unreasonably in a couple of different ways...
Buy a copy to keep reading!
CHAPTER OUTLINE
The College Student's Guide To: Credit Scores
+ Introduction
+ Learning About Credit
+ Student Loans and Future Credit
+ Common Mistakes to Avoid
+ ...and much more
ABOUT THE BOOK
College students need to build positive credit history so that they will have a foundation for financial success after they graduate. Strong credit scores enable students and former students to live in the apartment of their choice and qualify for loans to buy a car or a house. Some jobs, particularly those in the financial sector, also require applicants to have a positive credit history.
Unfortunately, many students come to college with little or no understanding of what credit scores are, the factors that influence them or how to protect their credit. As a result, students often make mistakes with their credit while they are in school. It's common for students to sign up for credit cards they don't really need and use the cards irresponsibly, pay bills late or take out large student loans that can impact their credit for years to come. As a result of these actions, students often graduate college with large debts to pay back and negative remarks on their credit score. If this happens, it may be more difficult for the student to get a high-paying job or an apartment in a nice area.
EXCERPT FROM THE BOOK
It's not necessary to find out the exact score, as lenders vary as to the scale they use. Instead, students should be looking for delinquencies, high balances and any other negative information on their credit reports so that they can get an idea of how strong their credit history is.
If students want to get an estimate of their credit score, they can use free services such as Credit Karma.com. These services require students to input personal information such as their name and Social Security number. After they input this information, they will receive a free estimate of their credit score. Students can check their credit score as often as they wish using these free services to ensure that their credit history is still positive.
In addition to checking their credit, students need to learn how loans and credit cards affect their credit. The best way for students to learn how to use credit responsibly is to get a credit card, but poor credit decisions stay on their credit report for seven years. Students' parents can help protect them from using credit unreasonably in a couple of different ways...
Buy a copy to keep reading!
CHAPTER OUTLINE
The College Student's Guide To: Credit Scores
+ Introduction
+ Learning About Credit
+ Student Loans and Future Credit
+ Common Mistakes to Avoid
+ ...and much more
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