As a college student, you may not be thinking about your credit. However, now is the time to start building good credit. Once you graduate, you'll be looking to buy a car, a house, or other property. Now is the time to make sure to maintain a good credit history for your future. Below are some helpful links to get you started.

What is credit? Credit refers to your ability to borrow and how much you may be able to borrow.

Useful Resources:

How to Build Good Credit
Nerd Wallet article on how to build good credit

How to Build Credit from Scratch
Credit Karma article on how to start building good credit

How to Build Credit
Consumer Affairs article for 18- to 20-year-olds

Guide to Your Credit Future
The Simple Dollar guide to secure your college student's credit future

Credit Reporting Bureaus:

Annual Credit Report




Fico Score


Pro Tip:

Checking your Credit

Check your credit reports at least annually for any errors. Also check to make sure there are not late payments incorrectly reported on any of your accounts. If there are, be sure to dispute those with your credit bureau agencies.

Contact Us

Financial Aid Office
Hamilton Hall
210 Glasgow Road
Edinboro, PA 16444
Phone: 814-732-3500
Fax: 814-732-2129

Hours of Operation:
Monday – Friday, 9 a.m. to 4 p.m.