Student Credit Information and Advice

Student credit education is very important and can help people avoid huge problems with their credit and financial situation. As a college student, just a few missteps and your blank credit report can suddenly be a bad credit report.

StudentPlatinum.com provides this credit education section of our website to help students learn how to establish student credit, build a solid credit history, learn how credit works, and avoid credit traps. See also: Student Credit and Debt Assistance.

Student Credit Education

Many students are unaware of how important it is to understand student credit and debt issues. You may think that you don't have to worry about these things until after you graduate. The reality is, what you do know to build good credit or damage your credit will have a lasting impact for 7- 10 years from today. Take time now to educate yourself and start building good credit today!.

• Student Credit Guide
• Your Credit Score
• Manage Your Money
• Your Rights under the FCRA (Fair Credit Reporting Act).
• The Difference Between APR and APY
• How to Establish Credit Tutorial: Learn how to establish student credit.
• Facts About Being a Cosigner or Credit Reference

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Student Credit Reports & FICO® Credit Education

• Credit Scores vs. Credit Reports
• FICO® 08: What the new credit scoring model means to students: Understand what last years "FICO® 08" means to college students, and why the FICO® model controls your credit score.
• FICO® Reason Code Breakdown: Understand why your loan was declined!
• Step By Step Tutorial for Repairing Your Credit Report

Credit Card Education

• How Credit Cards Work: A quick overview.
• Student Credit Card Debt Reduction Plan
• 5 Things Your Credit Card Company Doesn’t Want You to Know
• Balance Transfer Primer
• Top 9 Student Credit Card Pitfalls
• What is APR?: Find out about APR, what it means for you.
• Pay Your Debt More Often
• Look out for Two-Cycle Average Daily Balance: Learn why it will kill your finances!
• Why Annual Fees Are Not Necessarily Bad

Credit Card Theft Education

• What to do if Your Card is Stolen!
• How to Avoid Credit Card Fraud!