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A good credit score is an essential part of getting good loans and evening the playing field with lenders. The average FICO credit score for Americans is roughly 720, meaning that half of Americans have a worse credit score and half have a better score.  The only way to establish good credit is to actually to start buying on credit. This is the only way to establish a credit history which reveals your ability to pay for things that you buy or use.
Having your bills in your name will not impact your credit. This is often a misconception in building positive credit. Major utility companies and phone companies only report to credit agencies when payments are not made.Always pay bills on time. Pay each credit card bill in full as soon as you receive it, so you do not establish yourself as a 'late' payer. It may be necessary to obtain a "Secured" credit card if your credit scores are already low or non-existent. Do your homework and research as some secured credit card companies check credit before approval and will actually decline you.
Stay in one place. Much like the above, many places will look at your housing history. If you move too much, you're a risk. However, if you stay in one apartment or house, you seem much more reliable.Apply for a credit card. Choose one that offers the lowest interest rate and if possible one that offers a cash back percentage on purchases you make. Try not to start a new credit card until you have at least okay credit, because each application counts against your score, as does being denied.
Keep debt low. It will look better if the bill you are paying at the end of the month is a low one. Keep your outstanding debt as low as possible in order to improve your score even further.
Ask for help. If you've done a good job of building an okay score and then find that you're very slightly late on a single payment, you may be able to get that late payment taken off your record by asking very nicely. If you have a good history with the entity you were late in paying, they may be willing to take it off if you ask.
Give it time. Having good credit over a long period of time will go a long way towards convincing lenders that you're a solid bet. Don't rush the process.
Stick to your budget. What's the good of having a budget if you don't really stick to it? If you say you're going to spend $120 on groceries every week, don't go over $120. It's simple to say and hard to do. But it's essential for a good credit score.Use a credit card instead of cash to make small purchase you can afford. Make sure that you do not charge more than you can actually afford to pay at the end of the month. Some illustrative examples:
Make more than the minimum payment. You should be able to make more than the minimum payment on the card, slowly working towards being able to pay it off entirely. If you can't afford to make more than the minimum payment, you aren't being financially responsible and have taken on too much debt.
Stay well below your credit limit. Approaching 70-75% of your credit limit or maxing out your cards frequently will look dangerous and irresponsible to lenders because it often is.  Credit cards are a safety net, so leave a little extra room. Just like you wouldn't want an actual safety net the exact same size as your body, you don't want zero room for movement on your credit cards.
Don't let your credit cards go unused. Don't let your credit cards sit there unloved. If you don't use your credit card at all, your credit score will go down. The credit score formula prefers to see a card that is getting regular use over a credit card that is lying fallow.
Make sure your credit is attached to the major companies. You want your information reported to the major credit reporting companies, if possible. These are the ones lenders are most likely to check, so if you only have one credit card and it reports only to a small company, you're in trouble. This is where having more than one credit card or bank account, etc, can come in handy.
When you establish your credit card, ask that your date of payment coincide with a date when you know you will have the money to pay. They will work with you on this.
Once you have begun establishing a credit history, apply for a small amount of installment credit. The best credit scores are obtained through the use of installment credit (auto loans, personal loans and mortgages) in addition to revolving credit (credit cards and lines of credit).
Check your statement for the date that the payment is due. If you want to buy something close to that date, wait until after you have made your payment. This way you will avoid an extra charge within the same billing period.
Getting a credit card that has the same due date as your utilities, rent or mortgage will make it difficult for you to have the funds on hand to pay off your credit card.
What helps me is paying most purchases with a debit card and a small percentage in credit card to maintain a good score.
If your credit utilization is running high during any given month (in excess of 30%), consider paying part of your charges off before your next statement cycle.
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