Credit Education Center

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

• 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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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!