It is usually easier to get get credit from a store/gas station. (dont apply for too many credit cards)

The best way to build credit is pay your balance in full every month and never miss a payment.

Go to https://www.annualcreditreport.com/cra/index.jsp and get a free credit report every year. It will not give you a score but it will give you an idea of what someone pulling your credit would see. Its also a good way to see if you have an open credit card and forgot about it, or someone stole your identity and opened a card in your name.

Pay off current balances on whatever credit cards are still open. Do not carry a balance into the month.

Utilization > If there is a 1000 credit limit and you are using 900 dollars of your credit ‘allowance’ that looks bad. Using under 30% of available credit is good.

Applying for too many credit cards can hurt your credit score. If you apply to one or two in a month wait at least 3-4 months before applying to other cards.

If you have a credit card, use it. If you dont use a credit card at all and make no payments it does not help at all.

Its also important to have some emergency savings for 3-6months of bills in-case bad stuff happens (you get fired, car blows up, you fall down some stairs, ETC) Rainy days do happen, expect them.

I have also read that having a savings and checking account can make it easier to get accepted for a credit card.

Simple. Do exactly the following for a few years.

1. Pay off the entire balance on your credit cards every cycle, and always on time.
2. Never charge more than 30% of your credit limit.
3. Keep only a few credit cards (~3).
4. Call your credit card company to request credit line increase every 6 months. If your credit card company wants to pull your credit report to process the limit increase then cancel the request.

It is usually easier to get get credit from a store/gas station. (dont apply for too many credit cards)

The best way to build credit is pay your balance in full every month and never miss a payment.

Go to https://www.annualcreditreport.com/cra/index.jsp and get a free credit report every year. It will not give you a score but it will give you an idea of what someone pulling your credit would see. Its also a good way to see if you have an open credit card and forgot about it, or someone stole your identity and opened a card in your name.

Pay off current balances on whatever credit cards are still open. Do not carry a balance into the month.

Utilization > If there is a 1000 credit limit and you are using 900 dollars of your credit ‘allowance’ that looks bad. Using under 30% of available credit is good.

Applying for too many credit cards can hurt your credit score. If you apply to one or two in a month wait at least 3-4 months before applying to other cards.

If you have a credit card, use it. If you dont use a credit card at all and make no payments it does not help at all.

Its also important to have some emergency savings for 3-6months of bills in-case bad stuff happens (you get fired, car blows up, you fall down some stairs, ETC) Rainy days do happen, expect them.

I have also read that having a savings and checking account can make it easier to get accepted for a credit card.

Simple. Do exactly the following for a few years.

1. Pay off the entire balance on your credit cards every cycle, and always on time.
2. Never charge more than 30% of your credit limit.
3. Keep only a few credit cards (~3).
4. Call your credit card company to request credit line increase every 6 months. If your credit card company wants to pull your credit report to process the limit increase then cancel the request.