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YOU and YOUR CREDIT: Further Resources1

Joan P. Elmore, Sarah M. Ellis, Michael S. Gutter, and Travis P. Mountain 2

Figure 1. 
Figure 1. 
Credit: danielfela/

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

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.


1. This document is FCS7235, one of a series of the Family Youth and Community Sciences Department, UF/IFAS Extension. Original publication date September 2008. Revised May 2016 and March 2019. Visit the EDIS website at for the currently supported version of this publication.
2. Joan P. Elmore, former Extension agent IV, UF/IFAS Extension Jackson County; Sarah M. Ellis, Extension agent I, UF/IFAS Extension Citrus County; Michael S. Gutter, associate dean and associate professor; 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.