How to Build Credit History from Scratch

Im new to how to build ?
Im a student I dont have credit ?

If you are just entering real world from or Started living on your income, you will need to start thinking about your credit. With a zero credit history is difficult to get a connection, Rental apartment or a credit card. Or if you have moved into US with a Job and just have taken a SSN, it is very important for you to start building your credit.

The first time you take a loan or a credit card you start building your credit history. But the problem is many companies wont offer you either one, if you don't have a good credit record earlier. This is where it gets irritating for many, especially if you haven't opened a student credit card or taken a loan it is very difficult to do so after a while.

The best option is to try and convincing your banker to provide a credit card, in most cases a very basic or a secured credit card. Make sure they report to and as a normal credit card. Debit Cards don't help you build credit, so try making use of your at least once in a while.

Once you start maintaining your credit cards without being late in payments, you start building credit and you will eventually get more . But you should be very careful in not over zealously in using your new gained freedom, because if you misuse or overuse your credit and make mistakes.

Some of the following Banks offer Credit Cards for starters and secured cards

1. – Starter + Secured
2. Discover Cards – Starter Cards + Student Cards
3. Public Savings Bank –
4. – Secured Credit Card + Students Credit Card
5. – Secured Credit Card

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