build good credit

I’m heading in to debt living in NYC this year. it’s going to be awhile before I can pay expenses and tackle my credit card debt.

It sux to have to start from negative credit and debt, but somehow sometime I have to get my debts paid… I hope the economy allows that!

MINE SUX

I got my first credit card today. My plan is to use it only on purchases I actually have the money for in the bank, so I can pay it back right away.

This along with paying my student loan payments on time should help me build up my credit.

I’ve been making car payments for a year and haven’t been late once, so I must have some credit now.

I got my first credit card- now if I use it wisely I can start building my credit rating!

I had no credit at all… nothing. So when I bought my car I had to have my aunt co-sign. I’ve had the car for 4 months now and haven’t missed a payment. I’ve also been over-paying, so if I do miss a payment (they send me the bill at the LAST minute every month!), it won’t matter because the balance every month now is $0.00.

I know buying a car and making payments isn’t a big deal but I’m just happy that I will finally have some credit in a year if I make all my payments on time. Then I’ll be able to do things like move out of my mother’s house.

Because of my high credit score I qualified for a 0% interest loan when I purchased my new car. You can’t beat that. I also have some cards that have no interest for a year and I am paying them off at the rate required to avoid interest charges. I am now enjoying the benifits of a good credit record. :)

every one agrees that a credit card is the most universal up-to-date mode of payment and it really saves time and effort when you shop! But to have it and just use it is not enough! If you want more and have access to the best credit card offers , you need to build a good credit history first! i’d like to share experience with you how i did it. My friends advised to spend much and to repay accurately and regularly.Thus, you earn points and raise up your score and the higher the score, the better your credit history.Once you show yourself a reliable customer with a favourable financial background you can be offered much better credit cards with modest charges and lavish rewards! some credit card offers suggest even additional servises such as insurance services and medical and financial assistance in case of emergency! now i can enjoy all this as i built a good credit.

I recently cleared up identitly theft, that had ruined my credit record, after a lengthy period of time and a lawsuit. I am glad to say that I won, and my credit record is now clean. I recently purchased a car, and qualified for 0% financing! I am making all my payments on time, as well as paying of my student loan. I opened a credit card with American Laser Centers, and have been steadily paying it off at over the minimum monthly payment. Because of the identity theft I wasn’t able to qualify for credit cards for a few years, so I have not yet built an extensive credit record. However, no credit is better than bad credit.