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Build a Good Credit Record Now: Enjoy It Later!

What does your credit report look like? If you don’t know you will want to find out. Even if you have a bad credit record you can change this over time. Believe it or not, building a good credit record is not as hard as you may think. Once you get on track and know how to move forward you can build better credit soon enough.

Building a good credit record can often times be frustrating. Many people find that in order to build credit they need credit. But of course, if you stick with things you can make headway soon enough.

First things first, open a checking and/or savings account. This will not help you establish credit, but it can be used to show that you not only have money but that you also know how to manage it. For the majority of consumers this is the most obvious first step to take.

As you move forward you may want to look into opening a store credit card. But remember, just opening the account is not good enough. You must use it and then repay the money when it is due. Remember, when building credit your main goal is to show that you know how to manage your money. If you begin to miss payments you are not building good credit but instead giving creditors a reason to turn you down in the future.

Some people, no matter how hard they try, cannot get started. In this case you should seek a cosigner. For example, you may not be able to get a car loan on your own but with a parent as a cosigner you can. As long as you keep this account in good standing both you and your cosigner will build good credit.

It may seem like a lot of hard work to build a good credit record, and it can be. But remember that the hard work you put in now will pay off later when you have a good credit record and high credit score. 

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Credit Success Stories

I didn't realize that there are other types of credit bureaus, including one that only deals with your checking account history. The credit bureau is "ChexSystems" and they need to comply with the same rules as regular credit bureaus. I was happy to find out that I could get my ChexSystems record cleared up! Read More