Sign up for other services that provide credit to you, if you need to build credit from scratch. There are several online companies that lease jewelry and other assets that you can leverage for credit access. The more of these accounts that you have, the higher your overall credit power. You want this number to be as high as possible while spending as little of it as possible. This ratio is called your credit utilization, which you want to keep below 25%-30%, ideally. Only borrow what you need to and make all of your payments on time!! If companies see that you are borrowing too much money, they are less likely to loan you anything else until older accounts get resolved.

There are many tips and tricks, yes…but the overall idea for building credit is to make yourself credible. It is quite favorable to make your payments on time. Making more than the minimum payments on time is also helpful to appear more credit worthy. To make your credit score work for you, you have to work on it!