Click a link to learn more.

AmericaSaves.org: The Importance of Credit History
http://www.americasaves.org/for-savers/debt-and-credit/importance-of-credit-history
A credit report is an explanation of your credit history. It states when and where you applied for credit, whom you borrowed money from, and whom you still owe.  This site will tell you all you need to know about credit history.

Annual Credit Report 
www.annualcreditreport.com 
Provides a free credit report from the three major credit bureaus- Equifax, Experian, and TransUnion- according to federal law. This centralized Website allows consumers to request a free report once a year. There is also information available to request a free annual credit report by telephone or mail.

Association of Independent Consumer Credit Counseling Agencies 
http://www.aiccca.org/
Includes information about credit-related topics and information about how to find a non-profit credit-counseling agency in a particular geographic region.

Best Credit Cards for Bad Credit
https://creditcards.usnews.com/bad-credit#before-you-apply
Find the right credit card for you and learn how to improve your credit score.

Best student credit cards 2019
https://www.thebalance.com/best-credit-cards-for-students-4157454
https://www.savethestudent.org/money/student-banking/best-credit-cards-students.html
Getting a credit card as a student can be confusing, particularly for the first time. There are so many options to choose from, it’s tough to know what to look for and which credit card is the right one. The best student credit cards have a low or no annual fee, a competitive interest rate, as well as rewards or perks that students can enjoy.

Better Credit Blog
https://bettercreditblog.org/
Established in 2007, BetterCreditBlog.org is one of the oldest and most trusted credit education resources on the web. BetterCreditBlog.org was started by a group of credit experts with the goal of providing accurate and easy-to-digest information about credit improvement and how it relates to personal finance.

Consumer Affairs: Credit Report Sites Guide
https://www.consumeraffairs.com/online/credit-report/
Here is a list of the 10 best rated sites for credit reports as well as information about the pros and cons of each site.

Consumer Finance Protection Bureau
https://www.consumerfinance.gov/ask-cfpb/category-credit-cards/
Whether you’re shopping for a new card or managing an existing card, it helps to have the facts. From late fees to lost cards, get answers to your credit card questions.

Consumer Guide: A Complete Assessment of Credit Report Marketers
https://www.badcredit.org/alert/credit-reports/
Many websites that claim to offer a “free” credit report will upsell services and/or enrollment into a monthly subscription. You will notice that many of the same services are being promoted on different websites. These charts will allow you to see what providers are truly offering and at what cost, to help avoid signing up for more than you originally wanted. The following charts provide an in-depth look into websites offering credit reports and scores.

Credit Check: The 17-Year Old’s Guide to Credit Prep
https://turbo.intuit.com/blog/credit-cards/17-year-olds-guide-credit-prep-3121/
Credit cards offer unparalleled freedom, but they also come with the risk of heavy interest and debt. In 2018, Americans paid roughly $113 billion in interest on credit cards alone. Yikes. Fortunately, you don’t have to be a part of this statistic if you follow the right steps.

CreditSoup
https://www.creditsoup.com/
This site provides credit cards recommended by CreditSoup’s team of experts and information about credit, credit scores, and more.

Guide to Securing Your Child’s Credit Future
http://www.businessinsider.com/ap-liz-weston-how-to-death-clean-your-finances-2017-12?r=UK&IR=T
The Simple Dollar’s guide to empower parents with a helpful step by step process that will provide them the tools they need to ensure that their children develop a healthy relationship with credit, and understand financial literacy by the time they graduate.

How to Build (or Rebuild) Credit
https://www.selflender.com/blog/how-to-build-credit
Whether you’re looking to build credit for the first time or rebuilding credit after a few money missteps, you’re probably facing a common conundrum: you need credit to have a credit score, but you need a good credit score to get approved for loans and credit cards. This guide explores how to overcome this “Catch-22” of credit, why it’s important to build good credit and how you can use it responsibly.

How to Build Your Credit When You Have No Credit
https://blog.remitly.com/finance/how-to-build-good-credit/
There are ways you can build a great credit history from scratch. While it can take time, your efforts will showcase to future lenders, landlords, and employers that you’re not a risk. First, it’s important to educate yourself on everything that goes into a credit score. Here’s a good place to start.

How to Read Your Credit Report
https://www.consumerreports.org/credit-scores-reports/how-to-read-your-credit-report/?platform=hootsuite
Now more than ever, it’s a good idea to review your credit report.  Here’s what to look for.

MoneyGeek: Find the card that fits you best
https://www.moneygeek.com/credit-cards/
Find the best credit card for your needs and compare features important to you, including rewards, interest rates, balance transfers and more. Compare cards by issuer, and hide results for cards you don’t want to see, such as certain networks.

National Foundation for Consumer Counseling
www.nfcc.org
Includes information about credit-related topics and information about how to find a non-profit credit-counseling agency in a particular geographic region.

Nerdwallet: 3 Steps to Pay Off Your Debt
https://www.nerdwallet.com/blog/pay-off-debt/?utm_campaign=ct_prod&utm_source=usatoday&utm_medium=mpsyn
NerdWallet’s debt guide can help you diagnose your debt and credit situation, pick a payoff strategy, track your progress and build a financially healthy life.

PowerPay© “Debt Reduction Analysis” (Utah State University Cooperative Extension)
http://powerpay.org
Provides a debt reduction calendar and estimated time and cost savings for users who continue to pay the same amount to creditors monthly. When a creditor is repaid, the monthly payment previously paid is added to payments due to remaining creditors. Users input personal data (e.g., name of creditors, outstanding balance, monthly payment, interest rate) for an analysis and debt repayment schedule.

The Simple Dollar’s Guide to Securing Your Child’s Credit Future
https://www.thesimpledollar.com/guide-to-securing-your-college-students-credit-future/
We wrote this guide to empower parents to help their college students (or young adults of similar age) transition to the real world by avoiding credit pitfalls and developing solid financial habits that will set them up for success.

What Young People Need To Know About Credit

Additional Links:

www.InCharge.org
www.AmericaSaves.org
www.Bankrate.com
www.Cardweb.com
www.Creditchoice.com
www.E-loan.com
www.Equifax.com (credit report)
www.Experian.com (credit report)
www.Federalreserve.gov (government agency that protects consumers)
www.Ftc.gov (government agency that protects consumers)
www.Getsmart.com
www.Lendingtree.com
www.Tuc.com (credit report)
www.Kiplinger.com (tips and strategies)