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Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit.

When you go to borrow money, the first things the lender looks at are your credit history and credit score.

The score is basically a measure of how reliable you are about borrowing and paying back money.

Now that you’re actively building credit via your first credit card, it’s a good idea to monitor it.

Three major credit bureaus keep track of your credit history: Equifax, Experian and Trans Union.

That means being mindful of your spending; if you use your card as ready cash, you can burn through your available credit in a hurry.