Last Monday was the last date of paying my tuition fees, every students have to pay their tuition fee on time. But somehow it was out of my head and you may already guess, I failed to pay my fee before deadline. My college charged me extra $8 as late fee! But what would be happened if I miss to pay credit card bill on-time?

After going through this aggravating situation, I was thinking how can I overcome this type of annoying situations and save my money. Then I figured out some cool ways that could remind me when I have to pay my regular bills.

Here I gonna share most effective way which is working perfectly for me and hope it will also work for you. And of-course it is free of cost (We have promised to save your money). Here is the step by step ways, just follow me.

Get SMS or Email Alert by Google

Yeah, it’s a google service which will remind you when your promise date will knock at your door. And I am confidant that at least you have a cell phone to receive those reminder sms. Okay, in this tutorial I will teach you how you can get free sms or email alert when you need.

• At first go to google calender and sign in with your google account. Enter some additional info about you then hit Continue.

• Then go to Calender settings under settings (Top Right) then click Mobile Setup. But you can see the massage bellow. You have to verify your phone number. Just enter your cell number and wait, soon you will receive a verification code and you can finish setup then.
  

  Phone Verification

• Now «Back to calendar and Create an event. i.e you have to pay off your HSBC credit card bill on 3rd of every month then it should look like this image (Click to enlarge)
  

  Create an Event

• Now add reminders, I recommended at least add three reminders; 2 SMS and email. Look Bellow.
  

  SMS or Email Alert

Extra Tip: Use google free calender to keep track of your life’s important events and improve your credit history.

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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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1. How to Report After Your Credit Card is Lost or Stolen!