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Panic sets in. You paid your credit card late. Will this affect your coveted credit score?!? See what many credit card companies consider a late payment for credit score purposes.

A lot of people confuse Credit Reports with Credit Scores. You need to understand the differences. Here is a run-down of credit reports vs credit scores.

Your credit score is vital for most important things in life: buying a house or a car, getting a job, etc. But how to raise your credit score if you have had bad credit in the past? And how do you keep it high?

"There's always more going on with credit than the money that it provides for spending. Anytime you borrow money it will have an impact on your credit profile, and that will include your credit score. And you will want to build your credit score while you are still in school because it will give you a leg up when you get out."

Your credit is accessed in one of two ways - a hard credit pull or a soft credit pull. It's important to know the difference. See what they are and how they affect your credit score.

Many don't think about the long-term affects of student debt when they go to school, especially not how it affects their credit score. 

Many don't think about the long-term affects of student debt when they go to school, especially not how it affects their credit score.

The VantageScore is one of the many credit score calculations out there that aims to be an alternative to the popular FICO score.