How to Build Credit Quickly – Three Quick Steps

Building good credit is a necessity if you want to avail of loans and credit. It can create quite a problem, though, for young adults and others who are making a start. How do you build it when you don’t have any credit history? For many people, getting access to ready funds is an immediate necessity. It may not be possible for them to wait for several years to establish their credit history and then take it from there. They need to find the quickest way to build credit.

Fortunately, if you happen to be in such a situation, there are solutions that will allow you to build credit more quickly. Here are three quick steps that you can use for building credit:

1. Get a secured credit card

If you use them judiciously, credit cards are a great way of building your credit. However, you do need to have some credit history to qualify for an unsecured credit card. Don’t fret if you don’t have one, though. You can consider getting a secured credit card for the time being.

These cards come with a specific amount of credit, and you must make a deposit for that amount. You can then use the card to make purchases up to the offered limit and make monthly payments that will help to build your credit score. After you build up enough to get a regular credit card and decide to close the secured credit account, you will get your deposit back.

2. Become an authorized user on an existing credit card account

One of the quickest ways to build credit is to become an authorized user on an existing credit card account. You don’t need to get a credit card, you only need to appear as a user on one. If your parents, relatives, or friends are willing to help, they can add you to their credit card account. Once that happens, their credit history will appear as yours on your credit report.

And if they have been making timely payments and have a credit file that is in good standing with the three bureaus, you will see an improvement in your credit score as well. Keep in mind, though, that if the account has a history of making late payments and of maxing out the credit limit, they are more likely to have a low credit score, and that will reflect negatively on you as well. So, it’s essential to only ask for credit building assistance from financially responsible people.

3.  Avail of a credit builder loan

Getting a credit builder loan can benefit you and boost your credit score, but your bank will only lend you one if you are financially secure. You should have a regular income, a savings or checking account with the bank, and no overdrafts. There are different types of credit builder loans. The bank could offer you a secured loan on the condition that you must maintain an equal amount in your savings account until you have repaid the loan in full.

The bank could also put the loan amount into your savings account and allow you access to the funds only after you have repaid the amount with interest in one or two years.

If the bank thinks you are fiscally responsible, it could make you an unsecured credit builder loan. In these types of loans, you won’t need to put up any collateral. The bank won’t put any restrictions on your use of the loan amount, either. However, as with the other types of loans, it will report your payments to the three credit bureaus—Experian, Equifax, and TransUnion. So, you need to get into the habit of making timely loan payments. It will not only build your credit, but it will also make a positive difference in your credit score. With a high credit score that is in good standing with the three credit bureaus, future lenders will find you creditworthy. As someone who can be relied upon to manage their finances well and repay all outstanding payments in a timely fashion, you will face no trouble in securing home mortgages, car loans, personal loans, educational loans, and other types of loans.

How to Rebuild Your Credit by Adding Positive Tradelines?

If your credit score is low, you will find it difficult to qualify for loans and credit cards. You may also find it difficult to lease apartments and get jobs.

Many landlords now consider a person’s credit score before allowing them to rent an apartment. Through credit scores, they check if the potential tenants are responsible for their finances and if they will pay the rent on time. Many companies consider candidates’ credit score to see if they are careful with their financial situation and thus responsible people. Lenders consider the credit scores to check if you will be a responsible borrower and pay your loan installments or credit card bills on time.

So, it is very important to maintain a high credit score. If your credit score is low (for whatever reasons), you can still take measures to improve it. One of the best ways to raise your credit score is by using tradelines. But you need to ensure that you only deal with the best tradeline companies.

What is Tradeline?

A tradeline is an account that appears on your credit reports such as auto loans, mortgages, and credit cards. You can’t rely on new loans or new lines of credit to raise your credit score as you are not likely to qualify for one with damaged credit. But you can still use credit cards for this purpose.

For a credit card to qualify as a positive tradeline, it will need to have the perfect or extremely good credit history, low balance, and high credit limit. So, when you become an authorized user on such a credit card, its good history will appear on your credit report as well. It will then help improve your credit score.

Credit bureaus consider credit utilization on credit cards for calculating a person’s credit score. Credit utilization is the balance left on the limit. Ideally, it should not be more than 30%. The credit card you will use to rebuild your credit must also have an impeccable credit history. It means that it cannot have a history of late payments, no payments, less-than-ideal credit utilization ration, etc. To find such perfect credit cards, you need to deal with the best tradeline companies.

Becoming an authorized user on a family member’s or friend’s credit card is not ideal as it can backfire. If the person becomes erratic with his or her credit card use or bill payments, the card’s bad history will show up on your credit history as well. But if you choose a credible and reliable tradeline company; there are no such risks. You will receive tradelines with perfect credit histories.

Using Positive Tradelines to Rebuild Credit

Finding the right tradeline company –

First, you need to find a tradeline company. A simple online search can provide you with names of tradeline companies in your area. Check the websites of these companies to know more about them. The inventory (available tradelines) must be clearly listed on the website along with the credit cards’ details such as rates, credit limits, etc. The company’s address and phone number must also be mentioned on the website.

If you like a tradeline company, call them with your inquiry. Professional tradeline companies will always respond to your queries in a timely manner.

Purchasing the tradelines –

Once you have finalized a company, it is now time to purchase the tradelines. The best tradeline companies offer a free consultation to help their clients understand the process and to determine the number and types of tradelines to purchase.

Once you understand the process, you can select the tradelines (1 or more), sign the agreement, and make the payment.

Checking the results –

As you become an authorized user on the tradelines you purchased from the company; expect them to show up on your credit reports within two months or less. Choose only those companies guaranteeing such quick results. Otherwise, there is no use using tradelines to improve your credit. The tradeline that you buy must show up on at least one of your credit reports within the time period promised to you by the company.

What are the Best Ways to Build Credit Fast?

A low credit score makes it difficult and in some instances even impossible to qualify for loans or credit cards. One can have a low credit score for a number of reasons such as faulty payments, non-payments of loans, insufficient accounts, etc. But even if you have a low credit score for any reason, all is not lost. It is possible to take some easy steps to boost it back.

Here are some of the best ways to build credit fast.

Purchase Tradelines

The best way to build credit fast is to purchase tradelines. Tradelines are accounts that show up on your credit reports. So, a new tradeline with good credit can help you a great deal in building your credit fast. If you become an authorized user on a tradeline such as a credit card with good credit history, the same will also begin to reflect on your credit report.

How-to steps –

First, it is extremely important to buy tradelines from authentic sources. Look for credit repair companies with a proven record of successful business transactions in this category. A quick look at a company’s website can reveal a lot of information to prospective clients. Check the website for a listing of tradelines available with them along with all the details and prices. Such detailed listings can help you to make an informed decision about your purchases. For instance, you will know in advance the benefits you can expect from a specific tradeline such as its credit limit.

Before you buy a tradeline, ensure that you know your exact requirements. You will need to know the number of tradelines you will need to boost your credit quickly. You will also need to determine the credit availability and the years of credit history for each tradeline you purchase. These factors must be ideal for your specific requirements.

Use Credit Cards Wisely

Even if your credit score is really low, you can start using your existing credit cards wisely to improve it. Even if you are just starting to build your credit, using a credit card properly can help you increase it quickly.

How-to steps –

First, apply for a secured credit card if you are just starting to build your credit and if you can afford to pay the fee for your new account. If you can’t afford to buy a secured card, use your existing cards to build a good credit profile.

Timely credit card payments account for a good percentage of your credit score. Ensure that you pay at least the minimum amount due on your bill if you can’t pay it in full. Try to keep the balances low on your credit card. One good way to ensure it is to keep credit utilization under 30% of the limit on a card.

It is also best to avoid opening multiple credit card accounts one after the other. Anytime you open a new account, it lowers your credit score for a while. Multiple credit card accounts can also put you at risk of defaulting on the payments if you can’t handle all of them.

Open a Number of Different Accounts

Keeping a mix of different accounts can help you to showcase your credibility as a responsible borrower. If you are handling multiple accounts such as credit cards, auto loans, a mortgage, etc. you can use them to build your credit quickly.

How-to steps –

If you keep the payment schemes on your accounts current and without any default, it can give a big boost to your credit score. Displaying your ability to make timely payments on not one but multiple accounts can count a great deal towards establishing your credibility as a responsible borrower. Ultimately, this is what matters to lenders.

Even if you don’t need a big loan, you can purchase something a bit expensive on installments such as electronics or furniture. You can also apply for small personal loans and then start repaying it in a timely manner. It is actually possible to build your credit fast with these above-mentioned steps. It doesn’t matter if you are just starting to build your credit or need to improve your current score.

Three Simple Steps to Build Credit Fast

Credit history has become an important marker for not only securing loans but to also qualify for many services such as banking, utilities, and housing. It is best to start building credit as soon as possible. You never know when you might be in need of a high credit score.

So, what is the best way to build credit fast? Well, there is more than one way to improve your credit. You can take several easy steps to ensure a higher credit score and become a reliable borrower for your future creditors.

Here are three simple steps how credit repair Miami help fast.

Make Sensible Use of your Credit Card

Using your own credit card and making timely payments on it is one of the best ways to build credit fast. As long as you are responsible with your payments, you can benefit from using one. It is, however, important to not apply for too many credit cards in a short span of time. Too frequent requests for credit cards can dilute your credit worthiness. Multiple credit cards can signify to lenders that you might be stretched too thin with payments. It can increase your credit risk even if you are current with your payments.

Also, ensure that you do not go too near your maximum limit on the credit cards. Try to maintain the credit balance under a decent range of 20 to 30 percent.

Take Help from a Tradeline Company

Another best way to build credit fast is to approach an authentic tradeline company and seek help from them. The best tradeline companies offer credit piggybacking to help your build credit fast.

Some people request credit piggybacking from their families or relatives. But then you are kind of dependent on their habits of maintaining good credit. As long as your credit authorizer maintains a good credit history, it helps you too. But if they slip up, it will negatively impact your credit as well.

So, it is better to work with tradeline companies with good business practices. Select a company with a bonded business and surefire guarantees for its customers. With the help of the right tradeline company, you can improve your credit history. You can work with these companies for a specific purpose that can help build your credit. For instance, you can add years to your credit history or lessen your credit utilization.

Make Payments on Time

For a good credit score, it is important to be diligent with all payments and not only with credit card bills.

If you are responsible with your credit card payments but frequently forget to pay utility bills on time, then this doesn’t bode too well with credit agencies. The same applies to your mortgage payments and other types of loans.

If you have too many unpaid bills, you might need to deal with a collection agency in the future. Companies often hire collection agencies to recover payments and dealing with them is not easy. All these things can negatively impact your credit score. The number of late payments also counts against you. The longer you go without paying your dues, the worse it gets for your credit history.

If you have a hard time keeping track of your payments, it helps to set reminders for them. Set aside some time every month to go through your bills and make essential payments on time.

In Nutshell

Don’t rely only on credit cards. Very few can afford to survive without any credit. So, when you need to borrow money, opting for multiple sources can help you build your credit. You can apply for student or business loans. Diversifying sources of credit can positively impact your credit score. It can let your future borrowers know that you are a good credit risk for different types of loans. But make sure to pay the minimum amount due or the monthly installments on time.

When you are building your credit; every little positive step counts. It is easy to slip and risk lowering your credit score. But with some due diligence and smart habits, you can not only build credit fast but also raise your credit score really high.

How to Increase Your Credit Score with Tradelines

Every measure counts when you need to raise your credit score. Timely payments and responsible use of credit cards are important steps that help build a good credit history. But you can also utilize tradelines to improve your credit history and score quite significantly.

What are Tradelines?

A tradeline is any account that you use to borrow money and which gets reported back to credit bureaus. In simple terms, it is an account that will appear on a person’s credit report.

The tradeline details that appear on credit reports are dates of opening and closing of the accounts, types, credit limits, and payment history. Any amount owed to an account will show up on your credit report. So, an account or tradeline with good credit history can help a person raise their credit score.

Increase your Credit Score with the Help of Tradelines

You can use your own tradelines or work with the best tradeline companies in your city.

First, you can keep your own tradelines in good financial help.

With timely payments on your credit card bills, you can keep building your credit. By also paying other bills and loan installments on time, you can further help your own credit history move along on a positive path. Refrain from applying for too many credit cards in just a short amount of time. Such practices can make you appear as a high-risk candidate to lending agencies.

Also, ensure that you don’t cross-borrowing limits on your credit cards. Whenever possible, open new tradelines or accounts such as business loans or other types of installment loans.

When you are responsible with your tradelines in terms of usage and payments, it can add towards your credit score.

Second, you can seek help from tradeline companies.

Tradeline companies can help you improve your credit score by offering you credit piggybacking services. You can purchase tradelines from these companies for a higher credit score as per your requirements. For instance, assume that you need a loan urgently but can’t get approved due to your low credit score. In such a case, you can purchase tradelines and improve your credit score really fast.

The right way to do so is to approach only the best tradeline companies in your area. In order to do so, first conduct a quick online search for the best tradeline companies in your city or country. Check their websites and thoroughly read about their services.

Things to look for –

To find authentic tradeline companies, ensure that you are only working with bonded businesses. Check if their business website lists their office address and the relevant phone numbers. It is best to stay away from companies that do not pass the above criteria.

Genuine tradeline companies may even offer you money back guarantees, which can tell you a lot about their authentic business practices. Also, genuine companies will list the prices of the tradelines on offer on their websites. So, there is no chance of a client getting a shock from a sudden price rise on a specific tradeline. Imagine, you show an interest in a specific tradeline and suddenly its cost increases! So, it is best to choose companies that list costs of the tradelines clearly for their clients to check and evaluate before purchasing the ones they want.

A note on credit piggybacking –

Credit piggybacking is a common practice to improve credit scores. It is also considered legal and ethical. Often, people with poor credit scores opt for credit authorization from a family member or a relative. Yes, it can work out in your favor if the person offering you a tradeline maintains a good credit history. But if they slip, the negative impact of their credit score will also seep into your own.

When you deal with tradeline companies, you can ensure that you will get only a positive impact on your credit score. Tradeline companies are in the business of helping people raise their credit scores fast. So, it is in their interest to give only positive results to their customers. Otherwise, they will be out of business soon enough. Buying tradelines can be a good way to raise your credit score fast. But ensure that you deal only with the best tradeline companies.

Bad Credit Refinance

Refinance/Bad Credit

If you have bad credit, you probably realize the worst by-product of it all is that you can’t get a low interest rate when you want to refinance or apply for a mortgage. Refinancing when the rates are low is an ideal way to lower your payments on your mortgage. However, that can be difficult to do when your questionable credit history throws a wrench into the works.

There are a few steps you must take that are essential to the process before you sign on the dotted line.

1.  Check your Credit Score

Your credit score(s) determine whether or not you will qualify for refinancing and what type of interest rate you will get.  Usually, the higher the credit score the lower your rate will be.

2.  Check your Home Equity

Lenders usually want you to have at least 20% equity in order toBad Credit Refinance refinance.  Lenders typically will only finance 80% of the value of the home in a refinance.

3.  Shop Rates

You may not find a lot of difference in rates due to recent laws in the banking industry but it always makes good sense to research all of your options on rates and term lengths.

4.  Cost of Closing

There are other costs associated with a loan.  Some of the more common major cost and fees are; Loan Origination Fees, Application Fees, Appraisal Fees, Points, Lender Home Inspection Fees, and Private Mortgage Insurance.  The fees can vary from lender to lender, so it is a very good idea to understand what your closing costs may be and to make sure that the refinancing savings outweighs the cost.

5.  Gather Important Documents

You may be surprised at the scrutiny lenders apply to potential borrowers.  Some of the information you will need is documentation about your current loan, income tax returns, savings and investment information.  You also will need to prove employment and current income.

Get a Loan with Bad Credit – There is No Reason for You to Give Up Yet

Did you know that even though you may have bad credit, you can still get approved a lone? It’s true. And if this is true, then what’s the big deal about credit anyway, and why are scores so important?

Credit low-down

It always seems like people are talking about the importance of credit, especially in advertising. You can get this really great truck for an incredible monthly rate on approved credit (OAC), or you can get this really cool credit card with a bunch of nifty features, if you qualify. Ig you can still get a loan with bad credit – then what’s all the hype?

Here is how it all breaks down. Anyone can get credit, really, but bad credit or no credit makes you a lending risk and some lenders won’t lend you anything until your credit improves or becomes established. Great credit scores get the best deals. If you want a great interest rate on that new truck to make those monthly payments ultra-low, you need great credit – and, you guessed it – that nifty credit card is out of bounds if your credit is in the toilet.

So, at the end of it all, it boils down to the options available and what you pay for them. Good credit?

More options, at better prices. Bad credit? Only a few options, and way more expensive.


That being said, not everyone is in a position to establish credit, or repair their ailing credit. Credit repair can take time and patience, and sometimes your needs are too urgent. If you find yourself in a paradox, such as, you can’t get a job because you don’t have a vehicle and you can’t get a vehicle because of your poor credit, but you can’t repair your credit until you get a job – well then that vehicle becomes pretty darn important.

In situations like this, opting for a bad credit loan may be the only option you have until you are employed and can begin resuscitating your credit score. What’s important to know is that along with this bad credit loan will come a high interest. This high interest rate will delay your credit repair plans because it will mean higher loan payments and further damage to your credit score (not the interest rate, but simply taking out more credit to begin with). You may find yourself in an uphill battle to make payments and pay off principal debt.

It’s okay!

Sometimes these things are necessary, however, and once you get that job and start making real money, it becomes much easier to sort all the financials out. One word of advice? Get a bad credit loan for a vehicle that will do “for now.” Don’t get your dream car with bad credit. Get a dependable vehicle that isn’t going to cost a fortune overall so that you can get out from under your bad credit loan in a reasonable amount of time.

Get a bad credit loan only if you must, and never borrow more than you truly need – words to live by.

Fix Credit Reports – Proven Ways to Raise Your Credit Report Fast

Credit is king in this universe, so here are few less thought of, and perhaps even unconventional ways to see a positive turn-around in your credit score relatively quickly.

1.  Get a credit card

It sounds silly but using and paying off credit cards regularly is one of the best ways to get your credit score moving. It’s important that you don’t max it out though – even if you pay it off each month. Just use it for stuff you don’t need to use it for, like groceries, and then pay it off again.

2.  Take advantage of your good-ish credit history

If you have a pretty decent history with a credit provider, like Mastercard, but due to some unforeseen circumstances were late with a payment or two over a specified period of time (say you lost your job), you can request that they remove these errors from your record because of the circumstances. They may not always comply, but if you have since gone back to good credit card habits, they may be willing.

3.  Increase your credit limit

Again, it sounds silly, but to get the best credit score results none of your credit should be sitting at more than 30% of utilization. If you are hovering right around that point or perhaps slightly over, increasing your credit limit can drop that ratio significantly.

4.  Check for accuracy

Review a current copy of your credit report and ensure that all your credit limits and balances match up with your own records. Sometimes credit increases may not get reported right away, and this can throw off your utilization ratios – thus taking your scores.

5.  Dispute, dispute, dispute

If you find any errors on your credit report, dispute them. As soon as they are removed, your score will adjust positively. You may find clerical errors, mistaken identity issues, or other such things. Be sure you can identify all the accounts and credit allocated to your report.

6.  Keep those old credit accounts open

Although it may be tempting to shut down unused credit cards for the sake of tidiness of it all, it’s much better for your credit if you leave them open. The longer you have an established credit history, the better it is for you because a long and positive credit history always looks favorable and makes your look risk-free. It also happens to have a positive impact on your score. As soon as you close these accounts, however, that positive impact disappears.

There are many different ways you can positively affect your credit score and make some fast changes to your current credit rating. Some of these methods are more realistic than others, given your particular circumstances. Just remember that paying bills on time and paying off any balances remaining on credit cards is important, and will have the most dramatic impact on your credit rating.

It’s not impossible to recover your credit and establish a positive history, but it will take time, discipline and planning to do it effectively.

Top 6 Ways to Get a Bad Credit Mortgage Loan

There are a number of reasons why getting a bad credit mortgage loan isn’t actually a good thing. Yes, it’s good that you are getting the mortgage you need for the house you love, but that mortgage is coming at a cost. Literally. The cost will be higher interest rates on your mortgage. This will vary depending on your personal situation, but sometimes it’s worth asking: is the bad credit mortgage actually worth the amount you will have to pay for it, and will the extra interest you’ll be charged just push you further into the red?

Top 6 Ways to Get a Bad Credit Mortgage Loan

1) Not paying off your credit

For whatever reason, maybe you battled with unemployment, or maybe you or a loved one battled with an illness that required paying a lot of extra medical bills, getting behind in paying off your credit can result in a bad credit report. This isn’t irreparable, though. A lot of people think that bad credit is the end of the world, and that’s why a lot of people look into bad credit mortgages—but you can legally repair your credit. If your credit score was damaged by a stint of missed payments due to unexpected or uncontrollable circumstances, simply paying your bills regularly now will go a long way in helping you recover your credit.

2) Too many late payments

Just like missing payments, making too many late payments can damage your credit score ( Similarly, though, simply making payments regularly and on time can help you repair your credit score over time. If you miss payments simply because you forget about them, you might be able to solve your problem by setting up automatic monthly payments through your bank or credit card—just remember to pay your credit card bill off regularly as well.

3) Too much credit

You want to apply for credit to build up your credit history, but submitting too many credit applications too close together can show up as a red flag to potential credit lenders. Be smart about the credit you apply to so you can build up credit without looking like you are desperate for credit. This can make it easier for you to get a mortgage without having to settle for a bad credit mortgage.

4) Bankruptcy

If you’ve had to claim bankruptcy in the past, recovering your credit is going to take a lot of time and diligence. To speed up the process, you may want to consult a credit repair specialist to see if they can help you get your credit back on track legally and efficiently.

5) No credit

Did you know that having no credit can actually be worse than having bad credit? Well, it may not be worse, but credit lenders may be leery of accepting your loan applications because there is no record of whether you will be a high risk investment or not. You may want to get a credit card and start building up a positive credit report so you don’t have to settle for the high interest rates of a bad credit mortgage.

6) Mistakes on your credit report

Have you ever checked your credit history for mistakes? Most consumers actually have errors on their credit reports, and these can actually cause you to have a lower credit score than you should, which may end up with you looking for bad credit mortgage loans instead of lower interest rate mortgage loans. Don’t allow clerical errors, mistaken identity, or incomplete data stop you from getting the house of your dreams at interest rates you can actually afford.

Get Auto Loans with Bad Credit – 5 Tips

Vehicles are something that we cannot live without, they help us get from point A to B on our daily commute and they also allow us to travel to see friends and family at a distance. In the world we live in, it can be challenging to not own a vehicle. Many vehicles fuel family vacations, lifelong memories and things that will make you laugh until your cheeks hurt. But vehicles can be expensive, and in this day and age having a family without having a car is almost impossible, despite advances in public transportation. Most people can’t pay for a car with cash, so they are forced to get auto loans. This is not a bad thing, there are plenty of people out there with them, but it can be challenging to finance them the right way. For example, perhaps when you were young and naive you didn’t realize that you really should not max out that credit card. This circumstance may have hurt your credit a little bit and as such it could be challenging for you to finance the type of vehicle you want or need for your lifestyle.

Get Auto Loans with Bad Credit – 5 TipsHere are five tips to help you get an auto loan with bad credit:

1)  Do your research. Find a company that is willing to help you get approved for your needs, even if you have bad credit. This can sometimes require a bit of digging or researching on the internet but in the end it will make the rest of your application process go so much more smoothly.

2)  Educate yourself on what you’re getting into. As a consumer you need to know exactly what it is you’re signing up for. Know the terms of your contract and what you will need to pay each month. It is important to know these things up front so that you are aren’t surprised a month into ownership. If you are not sure of some of these questions be sure to ask someone to explain this information to you. It is likely that these trained professionals are ready and willing to help, all you need to do is ask.

3)  Request a credit report. This is important so that you will know where you stand from a credit rating standpoint. This may seem like a daunting task and you may be scared to find out the results, but it is an important number to know (and verify) to ensure that no one is using your identity to rack up unnecessary credit. If you have never done this before the process is very easy and a lot of it can be done online. If you have a good company helping you with your loan approval process, however, they will likely be more than willing to help you fill out this application.

4)  Dispute any items on your credit report that you do not believe are correct. This is a very important step as negotiating your debts with creditors or getting items off your credit report that should have never been there in the first place will help you increase your score immediately, as well as over the long term. Knowing where you stand and fighting for what is right is very important. Having a trained professional on your side can help the process along.

5)  Monitor your report and get approved for financing your dream vehicle. Now that you have made some amendments to your report you should be able to work with a financing agency to help you get the vehicle you need to fit your lifestyle. By continually monitoring what is occurring with your credit repair, you will not find any surprises the next time you apply for financing for something. As well, paying off your credit in a timely manner is important to maintain your score with the credit agencies.

Overall, what may seem like something that is incredibly scary, is something that trained professionals can help you with. Knowing what your credit score is, is the first step to improving it. Making financial decisions, like getting your free annual credit report, will only set you up for success when you decide you want to get auto loans or buy a house. Know what you need to do to help better your financial future.

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