Improve Your Credit Score
Do you plan on renting an apartment, taking out a credit card, personal or auto loan, or getting a job in future? If you said yes to any of these, your credit score could determine if you quality. We've put together resources for you to begin this difficult but important journey of improving your credit.
1. Get a FREE copy of your Credit Report & Credit Score
To begin improving your credit score, you have to start with figuring out what your credit score is. You will also need a copy of your credit report. The offers below are free, fast and easy, and will provide you with both your credit report and score.
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2. Fix and Repair Your Credit
Using your free credit report from step 1, thoroughly comb through all of the information on the report and identify anything that you think is incorrect. This can include unfamiliar accounts, late payment indications, past due accounts, etc.
After determining the correct information on your report, you need to begin working on improving your score. The products below can be used to help you improve your credit score easily online.
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3. Build Your Credit
After completing the above steps, you want to make sure you are on the right path to building up your credit score. One of the best ways to do this is to get a student credit card, and put something relatively small like a cell phone bill on it every month, and pay it off in full. This way, you will avoid the high APR fees, and build your credit while paying for something you normally have to pay for anyway.
Best Student Credit Card for Limited Credit
0% intro APR on purchases; double cash rebates at participating retailers and merchants (through the Cashback Bonus award program); no annual fee.
Find the right credit card for you: Put a small balance on your card each month, and pay it off in full. This will help build a positive credit score. Find a student credit card | Find a card for graduates and parents
Reduce your debts by 50%: Consolidate your credit card and other debts into one payment. This will make it easier for you to manage your debts, make on time payments, and improve your credit score.