Learn How To Build Credit and Get That Fabled 700 Score!

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Author: . Yates" href="http://www.articlesbase.com/authors/b.-yates/327707.htm">B. Yates

Having bad credit or no credit makes life really hard. Do you agree? Building a good credit history is essential if you want to get a home loan, rent an apartment, or buy a new vehicle. Knowing how to build credit will put you in a position to do a lot of things you otherwise couldn't. If you want to build your credit you must pay close attention to your expenses and pay attention to the way you spend. Here are some tips to build credit score. The first thing you need to do is open up a bank account. Most credit applications require you to provide your bank account information. These companies want to see that you know how to manage your money. If you show them that you are stable you are more than likely to get an extended line of credit. You can visit your local bank and open a checking account. You must bring proper identification and between $5-$100 to open an account depending on the bank. Next, you could ask a parent or another relative maybe even a close friend to put your name on their credit card account as an authorized user. This is an easy way to build your credit, the hard part is finding someone to do this for you. You will not have much control over the account but you can use the card to make small purchases. These will show up on your report and will build credit score. This next option may be a bit far fetched for some but, if you can find someone to co-sign with you for an auto loan your question on how to build credit will be answered. This is probably the fastest way to do this but, just like trying to find someone to put you on their account it can be tuff. If you end up doing this make sure that you pay your payments on time because if you don't it will effect you and your co-signer. If you don't think that you can make the payments don't do this option! You will do more harm than good. The easiest option that is available to everyone is a pre-paid credit card. There are a lot of ways to obtain one of these but, more and more people are turning to the internet. You are guaranteed to get this and it is guaranteed to build your score. These are available to any and everyone regardless of your history. Even if have filled bankruptcy at some point. There are no credit checks and there is no minimum balance. You use these just like regular credit cards and with each purchase you will make your score go higher and higher.About the Author:

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