How to Establish Credit

There are numerous ways to establish credit, some of your options include:

 

Make an appointment with a Personal Banker or person in your bank that assists with Customer Relations. Ask them if you can start a secured credit card with them so that you can start to establish credit.

 

Open a Secured Credit Card with a credit card company and make sure your payments are on time and that you do not “max – out” the credit line.  Click here to find out about the top rated credit cards.

 

Apply for a “starter” credit card. This is a credit card that has an “enrollment fee”, a monthly charge, and a higher interest rate than “prime” credit cards but it does establish credit history.

 

Request your Landlord report your Rental History to the Credit Bureau

 

Purchase something that requires payments and request they report the account to the credit bureaus.

 

If you have a Utility Bill in your name you can call the company and ask them to submit your billing history directly to the credit bureaus.

 

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