1. Credit history
* Credit matters*

2. Credit history Make ALL payments on time Develop a credit history
Don’t max out credit card
Mix up types of loans that you take out

3. CREDIT SCORE Opening too many accounts
Closing old, unused credit card accounts
Shopping for a loan for too long
Applying for lots of credit loans & cards
Not making payments on time

4. BAD CREDIT What causes “bad” credit? Not paying bills on time
Closing all credit cards
Running up high balances
Missing errors on credit report (not checking)
Applying for loans or credit often

5. COLLEGE LIFE/CREDIT
Build credit by applying for a prepaid credit card.
Have a parent co-sign the card with you.
Pay bills/cards on time.

6. CREDIT