University of FloridaSolutions for Your Life

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Publication #FCS7235

YOU and YOUR CREDIT: Further Resources1

Michael S. Gutter, Joan P. Elmore, Sarah M. Ellis, and Travis P. Mountain2

This is the seventh publication in the seven-part YOU and YOUR CREDIT series, which contains information about the skills and knowledge needed to obtain, understand, and wisely manage credit.

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To learn more, visit your local library or UF/IFAS Extension office and check out the following resources:

Bankrate, Credit Management, 2007

Money Smart, Federal Deposit Insurance Commission, 2006

Building a Better Credit Report, Federal Trade Commission, 2004

Turner, Josephine. (2001). Show Me the Money Lesson 3: Using Credit Wisely. FCS5206. Gainesville: University of Florida Institute of Food and Agricultural Sciences.

Apps for Money Management

Prosper Daily

Prosper Daily has a special emphasis on fraud protection. This app allows people to monitor spending across multiple accounts, track credit score, and get goal alerts. Prosper Daily links to actual accounts with bank level security and has unique features to protect cards from fraud and unwanted charges.


Mint is a powerful tool for households with complicated financial situations. Pull all your accounts, credit cards, and investments into one place to track spending, create a budget, and set spending and savings goals. You can receive tailored alerts via text or e-mail.

Apps for Debt Elimination


PowerPay is only available on Apple devices. Designed by Utah State, PowerPay helps eliminate debt. This app is a powerful tool that can help people to learn how to become debt-free and save money by reducing interest costs.


ReadyForZero helps reduce debt while tracking your credit score. This app provides reminders and notifications as well as rewards for progress to help keep you motivated and on track.

Apps for Credit Monitoring

Credit Karma

Access your free TransRisk score from Transunion weekly. Receive feedback on how to improve each category that affects your credit as well as alerts from Transunion.

Credit Sesame

Access your free Experian National Equivalency score weekly. There are special features for homeowners and student borrowers. Bank level encryption ensures your information is secure.



This document is FCS7235, one of a series of the Department of Family, Youth and Community Sciences, UF/IFAS Extension. Original publication date September 2008. Revised May 2016. Visit the EDIS website at


Michael S. Gutter, associate dean and associate professor, Department of Family, Youth and Community Sciences; Joan P. Elmore, former Extension agent IV, UF/IFAS Extension Jackson County; Sarah M. Ellis, Extension agent I, UF/IFAS Extension Citrus County; and Travis P. Mountain, former lecturer; Department of Family, Youth and Community Sciences; UF/IFAS Extension, Gainesville, FL 32611.

The use of trade names in this publication is solely for the purpose of providing specific information. UF/IFAS does not guarantee or warranty the products named, and references to them in this publication do not signify our approval to the exclusion of other products of suitable composition.

The Institute of Food and Agricultural Sciences (IFAS) is an Equal Opportunity Institution authorized to provide research, educational information and other services only to individuals and institutions that function with non-discrimination with respect to race, creed, color, religion, age, disability, sex, sexual orientation, marital status, national origin, political opinions or affiliations. For more information on obtaining other UF/IFAS Extension publications, contact your county's UF/IFAS Extension office.

U.S. Department of Agriculture, UF/IFAS Extension Service, University of Florida, IFAS, Florida A & M University Cooperative Extension Program, and Boards of County Commissioners Cooperating. Nick T. Place, dean for UF/IFAS Extension.