Any advice?

Migga · 05-06-2007, 11:43 AM

I just turned 18 a few months ago and I need to build up my credit does anyone know of any tips that I can use to go about doing this?

Fewski · 05-07-2007, 10:15 AM

Quick search and found this:
9 ways to build a killer credit score -- MSN Money

There are some tips there that will be able to help you out building your credit score. Just remember, if you don't have enough money in your bank account, and you don't need the item, don't buy it!

**peyton999** · 06-08-2007, 12:16 AM

If you wanna built some good credit scores , You need to have to pay all your bills on time and in return the bank would be providing you with its points.

aspire · 06-22-2007, 04:37 AM

Let your common sense prevail over your temptations to use loans and credit cards. Debt of any kind must be used selectively and wisely

creativity · 06-22-2007, 12:28 PM

If you really wanna built a good score you must pay all your pending bills on time and in return the bank will be offering you with various schemes and points.

Deirdre · 10-13-2007, 09:33 AM

Until you are paying bills addressed to you then your credit rating will be normal.

When people take on things like credit cards, utility bills and loans and mortgages then their credit rating starts operating.

Ensure that you pay all your utilities on time do not be late or miss payments.

Your credit rating should remain good unless you miss payments on a regular basis and take out many loans and credit cards.

apples · 02-02-2008, 08:39 PM

Practice the habit of paying on time and spending within your capacity. Honor your payables and avoid issuing checks which you can't afford to fund.

kereta06 · 02-05-2008, 08:45 PM

For my advise , dont buy anythings by credit . If you have money, buy it for cash. Or you can pay by credit card and then pay the credit before the due date. Its not make any charge of that

johnmcgrath · 11-15-2008, 03:35 AM

Before applying for any credit card, compare credit cards and choose the right one. This will help you to maximize reward points and lower interest rates

reviewer · 11-23-2008, 10:34 AM

There is some bad advice in this thread. Buying things with cash does NOT positively impact your credit.

Getting a credit card and keeping it (thus, one that doesn't have terrible fees) is an important component. Use it sparingly and pay it off each month. This builds good credit. Credit histories are the history of you borrowing money and paying it back, in other words.