# Open a checking account or savings account, or acquire a debit card. These do not create your credit file, but their existence will indicate that you have money and show something about how you manage it.
# Apply for a department store credit card or a major credit card (such as a MasterCard®, Visa®, or American Express® Card), and use it responsibly. Pay your credit card bills on time.
# If you don't qualify for credit on the basis of your own credit file, ask someone with an established credit history (like a parent) to co-sign your application. Remember, the co-signer promises to pay your debts if you don't.
To establish and maintain good credit, pay at least the minimum amount due on each account every month, and pay on time. Allow five to seven business days for payments made by mail.Use your credit card wisely, and you'll have a very beneficial financial tool.
# Open a checking account or savings account, or acquire a debit card. These do not create your credit file, but their existence will indicate that you have money and show something about how you manage it.
# Apply for a department store credit card or a major credit card (such as a MasterCard®, Visa®, or American Express® Card), and use it responsibly. Pay your credit card bills on time.
# If you don't qualify for credit on the basis of your own credit file, ask someone with an established credit history (like a parent) to co-sign your application. Remember, the co-signer promises to pay your debts if you don't.
To establish and maintain good credit, pay at least the minimum amount due on each account every month, and pay on time. Allow five to seven business days for payments made by mail.Use your credit card wisely, and you'll have a very beneficial financial tool.