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.

Divorce is all about division – the separation of two people from each other, dividing up property, dividing kids’ time between parents but does divorce have to mean a separation from a good credit score?

Any company, organization, or individual with a “legitimate business need” can request to see your credit history, and these requests are known as credit inquiries. They are divided into two categories called hard and soft inquiries — hard inquiries will affect your credit history and credit score while soft inquiries will not.

Whenever a creditor views your credit history, it will appear as an inquiry on your credit report. Too many inquiries can lower your Credit Score, which may cause your credit application to be denied.

Few financial figures are as important as a credit scores. The three-digit figure has a major impact on daily life — dictating what consumers can buy, how much credit they can obtain and even where they choose to reside.