Building Credit

How to build good credit in eight easy steps

  1. Pay bills on time
  2. Consider a single credit card if you have none (preferably a secured or restricted card)
  3. Stay current on all credit cards
  4. Always pay down debt
  5. Avoid closing unused accounts
  6. Secure your credit report and correct errors
  7. Don’t fill out credit applications unnecessarily
  8. Know your roommates’ financial habits