In the first post I talked about three primary ways to build credit history from scratch! I hope that was helpful. In this post I’m gonna talk about some more ways to build a healthy Credit history easily and quickly. Ready for those guys? Okay, Here are those exclusive(!) ways…

More Ways To Build Credit History from Scratch

Easily make a good credit history

Try Piggyback Technique

Well, This is a good technique to build a good credit history quickly. This technique is easy to be done and understood. For this you’ll have to apply with someone else who does have a good Credit History for a card. He/She can be your parent or someone else. What it does is it gives your credit history a backbone by adding the good Credit History of his/her with you. It also help you get loans at a low interest rate.

Apply For An Installment Loan

To make a good credit history you need to have different kinds of installments accounts. After running a bank account for about a year in good terms you can apply for an installment loan. It does enrich your credit history. But remember that you should always try getting the loan in low interest rate!

Using Store Card

Various shops offer the store cards with which you can get stuffs from that individual shop at low rate. It also plays a good part in making your Credit History. Always try using this with gentle hand. It’ll surely help!

Using Retail Or Gas Company Card

Gas card! How can you run yourself without this! The price of gas is always trembling now! It’s surprising almost every morning. Sure you need to use the Gas Cards to heal from the shock! Gas cards help a lot removing the unneeded part on your credit account to be written more than 4 times a week.

Get Revolving Accounts And Use Those In Daily Need

Revolving Accounts are one kind of credit card you can say. The difference is in these cards you carry a certain amount of money. It charges you each month just like a credit card. But you’ll have to put money in it to use it in daily need. The number and uses of these cards are always noted on your credit history. Try using this regularly but not on huge costing items! The revolving accounts are awesome elements to enrich your credit history. So, get one!

These 5 ways I think is the established way to boost up your credit history quickly with nice details. Try using these ways. You’ll surely get benefits. But always play fair with these stuffs dude!

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1. Start Up Ways of Building Credit History From Scratch!
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You know, I kinda like the word ‘Credit’ since when I was a kid! It always seemed something rich, something precious, interesting to me. Later when I came to know about credit score, credit history and such other things like this it seemed complicated to me but my childish interest about credit, about how to build credit history from scratch didn’t go down. Instead a challenge in my mind to have a better credit history than the people I personally knew grew up. In this post I’m going to talk on the fact that we should use to make a good credit history.

This is the first post of How to Build your Credit History from Scratch series. Subscribe to RSS Feed or Free Email Subscription to get regular updates.

Ways Of Building A Good Credit History

Start Off With A Healthy Credit History

Open Checking & Savings Accounts:

This is a primary step on your way to get your credit card. Since you can’t have one before being 18, you can open a joint account with somebody adult and can be legally held to a contract, many banks have no problem letting you open an account.

Basics of Credit Scoring:

For getting start with you need to know that the two most valuable parts in your credit scores are firstly if you pay your bills on time and How much of your available credit you actually use.

You have to be careful about paying your bill always in time. It happens that people forget sometimes to pay bills. For that you can set up automatic payments or reminder systems so that you never forget.

You’ll always have to keep in mind that you should never exceed the limit of any of your credit cards. You should always keep the expense limit under 30%. If you can keep it under 10% then that’d be great!

Secured Credit Card:

After making a checking account you should ask your bank if they offer secured credit cards. Getting a regular card to start up with aint actually that easy. So, A secured credit card will obviously help! This cards are just like unsecured cards. The difference is that it gives an assurance that whatever money you take as a debt from the bank will be paid in time.

Well, these were primary things to do to start with a good credit history. More posts following this one will be posted soon discussing the facts for maintaining a good healthy credit history. Hope you’ve liked the post. Subscribe to our Rss Feed to get updates of the following posts or you can follow us on our Twitter page. You can also give your valuable ideas about what else we can do to start off with a good credit history. Just post it on the comment box please! Have a nice day!

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1. Start Up Ways of Building Credit History From Scratch#02

Last week i have said, why you should check your credit report regularly? Now, in this post i will say how you can get your absolute free copy of credit report and the numeric mask of your credit worthiness “Credit Score“.

At first i wanna say, unfortunately you will get only one credit report for free from 3 major credit bureaus (Equifax, Experian, TransUnion) once a year, although i shared a tip on Did You Check Your Credit Report Last Month? And you may already noticed that now there are many types of score available in the market, although FICO credit score is still now popular. However, fortunately not only FICO but also other scores are also free for you.

Free Credit Report:

You may know i already wrote about government official website annualcreditreport.com where you will get your free copy of credit report. So it will be boring if i write same stuff here. Please check Did You Check Your Credit Report Last Month? and look on #At First Check Your Credit Report for Free. And must avoid FreeCreditReport.com

Free Credit Scores:

It is true and also you have to understand that you will not get your score for free unless you will not sign up for any finance or credit related service (exception are Credit Karma and Quizzle) and fortunately many of them offering free trial offer. Just you have to sign up for any service and after receiving your score you will cancel the offer. Sound pretty hot, right? Don’t worry, go ahead.

• Free FICO Credit Score:

  FICO stand for Fair Isaac Corporation. As i said earlier it is most popular then other score. And i already published a post about how you can get your free FICO score.

• Other Scores:

  From following sites you will get 3 major credit bureau’s score. It’s recommended to check all.

  1. Credit Karma: They are providing Transunion score and it’s not required to sign up any service and also credit card information isn’t required.
  2. CreditReport.com: You will get 3 bureaus scores. They are providing FICO from Equifax and Experian, Transunion scores. After trial (Free with 7-day credit monitoring trial) they will charge $14.95/month.
  3. Quizzle: Here also not required any CC information and they are providing Experian score.

Hope you will able to save your credit card money and if you like my effort, please remember to subscribe on my blog RSS FEED or Free Email Subscription for next updates.

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