For college students who are not in a finance major, understanding and building credit history is hard. Fortunately, many Iowa State students may benefit from changes to credit report criteria, which will take effect this summer. The most common problem college students face when establishing credit is a lack of credit cards or bank loans. The changes will use information from cell phone or cable bills for those who have no other forms of credit. This should ensure better accuracy and even a boost in people’s credit scores.