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  1. These are some great tips… one thing that I did to build my credit was to every now and then buy something on a card for around $100 and pay half off one month and the other half the next. I only did that a few times after a financial advisor said that it helps with revolving credit
    Jay recently posted…By: BallNChainzMy Profile

  2. Getting a store credit card is a common strategy for building credit, especially if you have never had a credit card. I’d definitely recommend that as a first step.
    DC @ Young Adult Money recently posted…How to get free stuff on CraigslistMy Profile

  3. Adele

    Oh wow, I needed this like no other. I am a recent college graduate (okay 2013) and the whole student loans, car payment issues really create some stress. Thanks for the advice!

  4. My 19-year old daughter just got her first credit card and we reviewed all of your suggestions with her prior to reading this! I do not carry debt, except my mortgage and car payment, so I am trying my best to teach her the same habits. Good points, for sure.
    Laurie Hurley recently posted…5 Reasons To Love LinkedIn GroupsMy Profile

  5. This is a great article. It is well thought out – with nothing but informed points. A good one to send to anyone who is looking to increase their credit score.
    Sue recently posted…Tools for InspirationMy Profile

  6. These are great tips to help someone to build or rebuild there credit. Without a good credit history it can make it much more difficult to buy the big things we need such as a car or a new home. It’s good to eliminate or reduce consumer debt whenever and whether possible otherwise it become a burden that can be difficult to manage. 🙂
    Susan Cooper recently posted…Hummus Recipe In A Jar: #RecipeMy Profile

  7. These are excellent suggestions. I don’t think young people are aware as they should be about how important a good credit history is! Sometimes poor credit can be the very reason you are tuned down for a job! Many employers regard poor credit history as a sign of irresponsible/unreliable behavior that they’d rather not see in an employee.
    Jacqueline Gum recently posted…Father’s Day… Where’s The Justice?My Profile

  8. Hi Jason; a good start for people wanting to establish their credit. I didn’t realize that employment history effected your credit. Makes me wonder if medical history also comes into play. thanks for sharing the post, max
    maxwell ivey recently posted…Think I’m ready to be an inspirationMy Profile

  9. Very good tips my friend.
    Niekka McDonald recently posted…Why Can’t I Fix It?My Profile

  10. Dana Buckmir

    My younger brother recently asked me how to build up his credit and he would definitely benefit from reading your advice. I will pass it along to him. He asked me if paying rent would effect his credit and I didn’t know if it did. Do you have any idea?

  11. Something else to keep in mind when building credit is not to close down credit cards you no longer use. Just don’t use them. When you cancel them all that good credit goes away with them.
    Tim recently posted…Happiness Sold HereMy Profile

  12. Hi Jason – these are great tips. I think there should be a workshop in senior secondary school that addresses these issues. Students starting University here immediately receive a credit card from one of the major banks, which to often looks like easy money to them. Your information may help them avoid problems.
    Lenie
    Lenie recently posted…Library Book Sales – $$$ for Programs, Deals for Us.My Profile

  13. I need to get a credit card like a gas card and then pay it off to show credit. My husband has great credit but I do not have any credit. However, I have always paid my rent on time when living on my own. These are good tips and goals to strive for. Thanks!
    crystal Ross (@CrystalRoss55) recently posted…ForgivenessMy Profile

  14. What a great article to pass on to young people who are just embarking on their credit careers!
    Beth Niebuhr recently posted…Confidence and How to Get ItMy Profile

  15. Years ago, ahh so young and free, my husband was adamant about one thing: if we are going to have a credit card, we are going to pay the balance off monthly. Fortunately we’ve been able to live that way for years. Credit card companies are known to call people like us things like “freeloaders.” But we don’t care because we don’t incur interest charges and start clean every month.
    Patricia Weber recently posted…4 Specifics to Celebrate for Introvert FreedomMy Profile

  16. Mina Joshi

    Really good advice. Very similar to what I tell my younger son. My older son had got carried away spending like there is no tomorrow with his first credit card and we had to help him out – he learnt the hard way. A good credit report is so important when you are just starting out as an adult.

  17. Funny that I was having a conversation with my daughter about building credit. She was telling me the school doesn’t teach all the stuff I was talking to her. Paying off the credit card debts in the right time to avoid paying interest is a big lesson.
    Bindu recently posted…Story of the tree: Mixed media projectMy Profile

  18. Great tips Jason and especially your underlying message with all of these: act responsibly and be mature about it. There is only one way to build credit and that is to use credit… but the reality is that too many people start out with good intentions and pay off their credit cards regularly in the beginning… then one day you find yourself with a HUGE bill and no means to take care of it. So I suggest treating credit cards like cash — don’t spend what you don’t have 🙂
    Valerie Remy-Milora recently posted…Miracles in Action – A Story of Love, Faith and ForgivenessMy Profile

  19. Great tips! I fell victim to the credit card awe when in college. Fortunately I got that card paid off and cut to bits! Fast forward to just a few years ago…my ex-husband and I had filed for bankruptcy. While it ended up being the best decision for us at the time, it made my credit report look like a mine field.

    After much research on the subject, I learned that using no more than 30% of your available credit was the optimum amount for helping credit scores. So, the first step in rebuilding my credit was getting a secured credit card. After 100% of on-time payments of the entire balance and a buy-out from another company, it became and unsecured card. I have since acquired another unsecured card with an even bigger credit line and a ‘store’ credit card.

    I also utilize Credit Karma diligently and have watched my tarnished record slowly begin to shine. It’ll take time I know…but it sure feels good to be on the right path!