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Need help building your credit history?
Tips to establish Good Credit history
- Open a checking account or savings account. Checking and savings accounts do not create your credit file, but their existence will indicate that you have money and show something about how you manage it.
- Apply for a department store credit card or a major credit card. The most common major credit cards are: Visa, Mastercard and American Express.
- If you don't qualify for credit on the basis of your own credit file, ask someone with an established credit history (like a parent) to co-sign your application. A co-signer is someone who promises to pay your debts if you don't.
More credit tips
Prevent Identity Theft by Checking Your Credit Report
One of the first steps to prevent identity theft is to keep tabs of your credit report. You can keep tabs on your credit report by ordering a free copy of your credit report once a year.
You are entitled to a free copy of your credit report once a year from the three major credit reporting companies. These companies are: Equifax, Experian and Trans Union. This free service is provided under the Fair and Accurate Credit Transactions Act (FACT). It is in response to the raising number of identity thief reported in the U.S.
Tips to prevent identity theft.