CampusRd - college credit report, credit score, credit cards and student loans 312.854.7605 / Join Our Network /
 
 

Credit Score Blog

Get the latest news and opinion pieces through our financial industry blog.
Our writers develop articles on financial matters that affect the everyday lives of all our users.
Credit score and free credit scores
Home > Credit Score > Blog > Ohh those college days.. Credit score and free credit scores

Ohh those college days..

Thursday Jan 14, 2010

So I didn’t know a whole lot about Credit Scores or anything really of that sort until recently. All throughout college I had credit cards and I would make payments when I could. Sometimes they would be late, but not that often. In college I also had a lot of the utilities in my name because my roommates weren’t very responsible. We would each pay our bills separately. So I would pay mine online and the others would either pay online or send a check. If they sent/mailed it out a few days after they were due, I wasn’t concerned as long as they were sent.

I didn’t realize it then, but each time I made a late payment or my buddies didn’t pay the bills (that were in my name) on time—that was hurting my credit. I got a free credit report and I was shocked at how bad my score was. The report was very detailed and it explained your credit score and what exactly your number means. I actually think you are only supposed to check your credit score once or twice a year, anymore than that and it hurts your credit. I’m not sure if that’s true but I’m not taking any chances.

I heard that the more bills you pay on time and the less time it takes you to pay them off, the better score you will have. So thankfully my score won’t always be terrible and there are ways to make up for my college days and unreliable friends. No matter who you are, you should get your credit checked out every year, just so that you can be aware of where your life is heading. You don’t want to get married one day and try to buy that dream home and realize your credit score is shot and you have to have your significant other worry about putting it in their name.

Make sure you pay everything on time and don’t put any bills under anyone’s name that is irresponsible. Also, you should try and pay more than the minimum amount due. Good luck!


< Previous Next >



Comments


Be the first to add a comment by filling out the form below



Add your comments...


 
Name
 Required

Email
 Required, will not be published

Comments
  Comments are moderated and generally will be posted if they are on-topic and not abusive

Verification `s Enter #`s here


 

Featured Credit Score


Equifax ID Patrol™

Equifax ID Patrol™


myFICO®

myFICO®




Credit Score Blog


How your credit score affects getting home insurance?
Friday Feb 15, 2013

Increasing your credit score can help you with credit agencies
Thursday Nov 15, 2012

View all >



Credit Score Tweets


 

CampusRd, Credit Rating, Credit Cards, Loans, Credit Score
Call Today (312) 854-7605 
© 2021 CampusRd.com, a business unit of Uloop, Inc  
 
 
Login    
Email Address    
     
Password  (forgot password?)      
     
     
Tell a friend about this offer    
A link to this page will be sent to the
"Destination Email Address" below, in accordance
with our privacy policy and terms of use policies
Your Email Address    
       
Destination Email Address    
       
Verification #'s Enter #'s here
 
       
Forgot your password?    
Email Address