Being credit wise means playing it smart with not only credit cards, but store cards, phone bills, personal loans, lease agreements, cable bills, and even insurance payments. Understanding what it means to build build good credit, how to prevent fraud, and how to develop and stick to a budget -- whether you’re starting out or starting over you, there's always something to learn when it comes to managing your finances.
The most common form of credit for students is credit cards. Credit cards are an important tool for achieving independence and financial freedom. When used wisely they can help you build the kind of good credit that makes it easier to reach your short and long-term goals – goals such as renting an apartment, buying a car, or even buying a house.
Being credit wise really just requires a little homework and some common sense. And just like studying any subject, the best place to start is with the basics. Here are Some Helpful Tips:
Note: The information provided on the Money Management pages are intended to assist students with financial literacy resources and information. NYU does not have an affiliation with any of the external websites for which links are provided, nor specifically endorses any credit, banking, or other financial products.
This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
AnnualCreditReport.com is the official site to help consumers to obtain their free credit report.