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Credit scoring is a system creditors use to help determine whether to give you credit card for college student credit. Information about you and your creditexperiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report.
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Anyone who takes action against you in response to a report supplied by a cra-such as credit card for college student denying your application for credit-must give you the name, address and telephone number of the credit bureau that provided the report. Your income, assets, and credit history are considered by the creditor.
