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Marcus Henderson is a certified FICO credit scoring specialist with 12 years of experience in consumer credit analysis and identity theft prevention. He has helped over 8,500 individuals improve...
67% of college graduates wish they'd started building credit sooner. By the time you receive your diploma, you could have a 700+ credit score—or no credit history at all. The difference? Choosing the right student credit card today. The credit catch-22 facing college students is real: you need credit to build credit, but traditional credit cards reject applicants with no credit history.
Meta Description: Learn what credit utilization is, why it matters for your credit score, and 8 proven strategies to lower your ratio. Includes calculator and real examples.
Your credit score is a three-digit number that determines whether you'll be approved for a loan, what interest rate you'll pay, and even whether you'll get that apartment you want.
