Credit and Credit Cards

Your current credit practices impact your future!

Your credit history affects much more than your ability to borrow money. A credit history may have an impact on your insurance premiums, choice of apartments, utilities/deposits, and even employment. If you hope to buy a house, borrow money, open a credit card account, or land the job of your dreams, come see us to make sure your credit is in tip-top shape.

What happens during a session?

All of our high quality counseling sessions will start with your experienced counselor learning more about you, your goals, and what you want to learn about your finances. While meeting with our skilled counselors to discuss credit, you can expect to learn:

  • About the credit reporting process by talking about credit bureaus
  • What is included in your credit report
  • What is in the credit scoring model
  • How you can improve your credit moving forward.

Our counselors can also assist in checking your credit report and reviewing it for accuracy.

What happens during follow-up sessions?

Not all of our clients have all of their questions answered with just one visit to our office. Subsequent visits could include conversations about how to get a credit card, proper credit card usage, how to prevent against identity theft, disputing inaccuracies in credit reports, and much more!

Resources you may use

  • MyFico is a great resource to learn about the credit scoring model and what is included in your credit report.
  • To check your credit report, we will visit a collaborative website that allows you to check your credit report for free from each of the 3 credit reporting bureaus.
  • Credit Karma is a free resource to get an idea as to what your credit score may be.
  • Equifax is one of the three credit reporting bureaus which provides credit reports, credit scores, and handles disputes.
  • Experian us one of the credit reporting bureaus which provides credit reports, credit scores, and handles disputes.
  • TransUnion is one of the credit reporting bureaus which provides credit reports, credit scores, and handles disputes.
  • The Federal Trade Commission helps to oversee financial policy that impacts consumers. Use this website to learn more about consumer law including the Fair and Accurate Credit Transactions Act.
  • Contact Information

    Financial Counseling Clinic
    Iowa State University
    4380 Palmer HDFS Building, #1340
    Ames, Iowa 50011-4380 
    ​515-294-8644

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