One important way to maintain a healthy credit score is to pay your bills on time. Whenever possible students should use cash or debit cards and work to keep credit balances to a minimum. Budget funds carefully so you can keep your borrowing in check. This helps you now and in the future, when you manage your credit history and score, you are working toward strong financial health and success.
It is also important to monitor your credit report. By law, you are entitled to one free copy of your report each year from each of the three credit reporting agencies (Equifax, Experian, and Trans Union). You can choose to access all three reports at once, or place three separate requests throughout a given year. Reports may be requested at and/or may be available via your bank, credit union, or credit card provider.