Student Credit & Credit Card Education

The world of credit and finance can be complex and a big problem for people who don’t know the basics. As a new college student, just a few missteps and your blank credit report can suddenly be a bad credit report.

StudentPlatinum.com provides this section of our website to help students learn how to establish student credit, build a solid credit history, learn how credit works, and avoid credit traps. See also: Student Credit and Debt Assistance.

Student Credit and Finance

• Student Credit Guide
• Your Credit Score
• Manage Your Money
• Your Rights under the FCRA (Fair Credit Reporting Act).
• The Difference Between APR and APY
• How to Establish Credit Tutorial: Learn how to establish student credit.
• Facts About Being a Cosigner or Credit Reference

Credit Reports & FICO Credit Scores

• NEW! Credit Basics: Credit Scores vs. Credit Reports
• NEW! Credit Basics: Repair Your Own Credit
• Understanding the FICO 08 Credit Scoring Model: Understand why your score may soon drop 100+ points!
• FICO Reason Code Breakdown: Understand why your loan was declined!
• Step By Step Tutorial for Repairing Your Credit Report

Credit Cards

• How Credit Cards Work: A quick overview.
• Student Credit Card Debt Reduction Plan
• 5 Things Your Credit Card Company Doesn’t Want You to Know
• Balance Transfer Primer
• Top 9 Student Credit Card Pitfalls
• What is APR?: Find out about APR, what it means for you.
• Our Secret Technique for Reducing Your Interest Rates
• Look out for Two-Cycle Average Daily Balance: Learn why it will kill your finances!
• Why Annual Fees Are Not Necessarily Bad

Credit Card Theft

• What to do if Your Card is Stolen!
• How to Avoid Credit Card Fraud!

If you have questions, please contact us at customerservice@studentplatinum.com and we'll be happy to help you!