Reasons For College

College Students Need to Establish Credit Worthiness

College students should establish credit worthiness by paying off their debts, not spending like tomorrow never comes. Use credit cards wisely.

Just imagine typical young college students, some with part time jobs, grasping their first credit card. They are eager to use it to buy all the things they need so much.

There is intense competition to provide credit cards to students. Some banks pay highly to be an approved "university supplier" of credit to college students. Cards are issued to students without a job. Gifts such as T-shirts, pizza discounts, backpacks are provided to those who sign up.

And most college students aren't any smarter about credit than adults. One out of five college students accumulate $10,000 or more in credit card debt by graduation.

Once college students are hooked on credit, they will usually be loyal to the credit card issuer for life. Nothing makes a blue suited bank executive happier than a new convert to the life of eternal debt.

Quarterly Credit Report Access Plus Credit Monitoring

For one annual fee you can get access to your credit report, updated 4 times a year. Plus you will get weekly credit monitoring and additional services.

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• Weekly Credit Monitoring Emails You will receive weekly email alerts about changes in your credit report. You can easily detect fradulent activity, new credit inquiries, new accounts, late payments, and more.

  Identity theft is the fastest growing crime in America. The sooner you detect it and take action to fight identity theft, the less damage will be done.

• Quarterly Access to Your Updated Credit Report You'll get a brand new credit report four times a year. Your reports are easy to read and have color graphics with a free interactive guide.

  With up-to-date knowledge you will be better positioned to know how you stand with creditors.

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  This will help you get better lending rates as well as quicker lending approval. This will save you lots of money in the long run.

• Debt Monitoring You'll get an up-to-date analysis of your debt to income ralationship four times a year plus important advice for improving your debt management.

  Your credit score depends, in part, on the amount of debt you have. Improving your debt to income ratio will greatly help improve your credit score.

• Powerful Tolls for Analysis You be able to see graphically how your credit score is improving with colorful charts showing trends in income, debt, credit score, and more.

  The more you know, the better able you are to imporve your situation.

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You'll soon see that this is the most valuable service you've tried on the Internet in a long time.