FICO Score is a term used to describe the number assigned to you in relation to your credit. It is simply a number used to represent your financial obligations in relation to your credit history. It is called FICO because this score is determined by software created by Fair Isaac and Company.

Despite the middling economy, a number of credit card companies continue to offer generous 0% APR balance transfer deals and some companies have straightforward offers that last a full 18 months.

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.

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Credit scores influence nearly all things financial in your life. Banks, credit card companies and others use credit scores in deciding whether to give you a loan, how much money you can borrow and how much interest to charge you. Here’s some advice for improving your credit score: