Credit

How to Compare Interest Rates on Credit Cards

Credit cards: the bad boys in the world of interest expense. Though it may not seem like it on the surface, credit cards are loans. You’re being lent the means to buy things in exchange for the promise that you will pay that loan back. Their sky-high interest rate percentages can eat you alive if you don’t pay the balance off completely every month. Read More...

Student Credit Cards 101

Credit cards are incredibly enticing for college students. And while they do help you build credit, they can be awfully tempting when it comes to spending money you don't really have. So what's the real lowdown on credit cards? Read More...

How to Deal with Student Credit Card Offers on Campus

It's no shocker that many college students graduate with thousands of dollars of credit card debt. College is expensive, with books and supplies and fabulous parties that you need a new outfit for. Okay, so besides essentials, it is extremely tempting to use that credit card you have-hopefully just to build your credit while in college-on other things. Credit card vendors know this about college students, and that's why so many of them are probably camped right outside your dorm as you read this. Read More...

Credit Scores: Range and Rating Breakdown

Simply put, a credit rating is a credit score range that many student loan and private loan lenders use to determine whether or not they will give a loan or line of credit to an individual. Fair Isaac Corporation, or FICO, created the model that most U.S. credit lenders use when calculating credit scores. Read More...

The Truth About Your Credit Score

Credit can assist with major purchases like buying a house or a car. If you don't have enough cash on hand when you want to make the purchase (and most people don't!), you can take out a loan to borrow the money from a lender and pay the principle back with interest over a period of time. Read More...

Your Free Credit Report: 4 Things to Look For

Yes, you can and should be checking your credit report at least once a year to make sure that all in credit land is as it should be. How, you ask? What should I do with it once I get it, you ask? Read More...

Identity Theft Protection & Prevention Tips for Young Adults

When I think about all the times I left my day planner lying around in class, neglected to cover a PIN pad, or had bank statements sitting out on my desk during a party, it's remarkable that I'd made it that far without an identity theft incident. Read More...

Building a Good Credit Score in College

We keep hammering this home, but keeping a good credit score is so important. Not only for making large purchases like a home or a car, but sometimes prospective employers will check out your credit score to see how responsible you are with your finances. Read More...

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