Young Professionals


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Welcome to the Survival Guide for young professionals. As you move from home or school to living on your own, there are financial decisions that will impact your life and your wallet! We have information that will help you make educated consumer decisions, save money and look really smart too.

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Benefits of Establishing Credit in College

College students should know that it is good to establish a strong credit history in college before entering the real world. It in fact could save you money and headaches in the future.

  • If you enter the real world with no credit history, you will be viewed as a huge credit risk, b/c you have nothing to show. Landlords, utility companies, etc could all charge large deposits. Renting an apartment could be quite costly without a credit history.
  • It will be more difficult to get a credit card once you have left college.
  • Lots of credit cards do not help, get one or two before graduating college and make sure to pay on time every month.



What habits lower my Credit Score?

  • Paying bills late.
  • Not making the minimum payment that is due.
  • Keeping debt levels too high.
  • Having too many credit cards open. Think twice before signing up for that free t-shirt.
  • Not annually reviewing your credit report for errors.
  • Not using your full legal name on documents that become part of your credit history.
  • Not alerting creditors if you have moved or changed names.

Credit Myths

  • You only have one credit score.
  • Checking your own credit score in fact lowers your score.
  • Age, income, and sex are factors in your score.
  • A higher salary yields a higher score.
  • Unfavorable info can’t be removed by simply disputing it.
  • Shopping around for a loan hurts your score.
  • Receiving credit card offers hurt your score.
  • After marriage your credit scores are merged.

Apartment Hunting

Apartment Hunting Tips and Details of a housing lease agreement.

A contract is not complete without the following pieces of information being present.

  • Names of all prospective tenants.
  • Address of the apartment.
  • Amount of rent.
  • Security deposit.
  • Start and end date.
  • Signature of landlord and tenant(s).

Additional clauses you may wish to include or inquire about.

  • Pet policy.
  • Consequences of late payment.
  • Services paid for by the landlord.
  • Policies on altering the apartment.
  • Policy on subletting.
  • Policy on repairs, who carries the burden of responsibility.
  • Policy on renters insurance.
  • Landlords right of entry. Discuss whether he/she needs permission to enter your apartment.

Read and fully understand the contract before signing.


How to spot an unscrupulous mover

  • Company website has no local address posted, and no information pertaining to licensing.
  • The mover does not offer or agree to an on site inspection of your goods, only offer an estimate over the phone.
  • The company claims all goods are covered under their insurance.
  • The only method of payment accepted is cash.
  • On moving day a rental truck is their method of transport rather than a company owned truck.
  • No copy of “Your Rights and Responsibilities When You Move” that is federally required is provided to you.