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Tips to Build Good Credit

Getting credit when you have no credit history can be challenging and quite frustrating. Seems potential creditors want to see a credit history before they will extend credit to you. So, how do you get credit when you don't have a credit history?

Credit Builder - Tip #1

Open a checking and/or savings account. While this does not start to build your credit, it will show that you have income and know how to manage your money. Also, canceled checks to your landlord or utility companies can be used as proof of payment to show that you do pay your bills and pay them on time

Credit Builder - Tip #2

Try and get a credit card to a department store. If you pay on time and consistently, this will be great for your credit history.

Credit Builder - Tip #3

Get a secured credit card. This type of credit card requires a deposit to the account to secure that the institution will be paid in case you default. After a certain amount of time of successful payments, your deposit will most likely be returned to you.

Credit Builder - Tip #4

If you can't qualify for credit based on your own credit history, try and get a co-signer.

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