Credit monitoring services will watch over your credit file with continuous around the clock tracking and notify you whenever there is a change to the credit file. These services will alert you within 24 hours of a change, usually through email, phone, or text message as you see fit.

Building and maintaining good credit is more important today than ever. Whether we realize it or not, so many parts of our daily financial lives revolve around our credit scores. But don’t fret — abide by these five must know credit tips for students and you shouldn’t have any problems at all.

If you don’t have an established credit history, or if you do have an established credit history but it has some dings, you may need a co-signer to get approved for a loan or credit card. By co-signing a credit application, the co-signer is agreeing to assume responsibility for the debt should you, the primary borrower, default on your agreement to pay the debt.

Sometimes, people make bad decisions and they end up losing their house, car and credit cards that ruin their credit history.

If your credit history isn’t all that long or spotless, adding a credit account with a long, positive credit history to your report will certainly boost your score but how do you all of a sudden add an old account to your credit report?