Credit History

Your Credit Score Keeps Score on You!

So you have money coming in, set up a checking and savings account, planned a budget to control spending and use your credit card wisely. So what? Why does this matter?

To establish and improve your credit score, that's why!

Before you set out on any journey you need to know where you are right now. Everyone (yes, everyone!) should have an idea what their credit history looks like. Banks, lending institutions, insurance companies, landlords, and your future employer may look at your personal credit report to get an idea about your personal character. Want to see what they see? YES!

According to, you are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies - Equifax, Experian and TransUnion. This free credit report can be requested through the website, by phone or by mail. Do not be confused by the credit report companies on television with the guys in funny hats and catchy songs! These sites have you enroll in a credit monitoring service for a fee. Only has been approved by the U.S. Treasury to provide your credit history for free.

Here are "9 Surprising Facts About Your Credit Score" from US News and World Reports.

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Credit Scoring

The University of Kansas prohibits discrimination on the basis of race, color, ethnicity, religion, sex, national origin, age, ancestry, disability, status as a veteran, sexual orientation, marital status, parental status, gender identity, gender expression, and genetic information in the university’s programs and activities. Retaliation is also prohibited by university policy. The following persons have been designated to handle inquiries regarding the nondiscrimination policies and are the Title IX coordinators for their respective campuses: Executive Director of the Office of Institutional Opportunity & Access,, 1246 West Campus Road, Room 153A, Lawrence, KS 66045, 785-864-6414, 711 TTY (for the Lawrence, Edwards, Parsons, Yoder, and Topeka campuses); Director, Equal Opportunity Office, Mail Stop 7004, 4330 Shawnee Mission Parkway, Fairway, KS 66205, 913-588-8011, 711 TTY (for the Wichita, Salina, and Kansas City, Kansas, medical center campuses).