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Create a positive credit history

This is a discussion on Create a positive credit history within the Credit Problems and Repair forums, part of the Mortgage and Loans Forum category; Going to a bcredit repair/b clinic will not be of help to you. There is nothing any bcredit repair/b clinic ...


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Credit Problems and Repair Better Credit will help you get lower interest rates on your home and auto loans. You can be denied the chance to own a home, get a new car, or even take a vacation – all because your credit score is too low for the banks to even consider giving you a loan.

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Old 10-25-2008, 03:28 PM
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Going to a bcredit repair/b clinic will not be of help to you. There is nothing any bcredit repair/b clinic can legally do for you – including removing inaccurate bcredit/b information – that you can't do for yourself for free, and their fees b.../b

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Old 04-23-2010, 08:17 AM
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Creating your Credit History If you are just beginning to create a credit history, start with the following guidelines. Avoiding bad credit from the beginning is the best way to maintain a positive credit history.

Print clearly when applying for credit.

Consistently use your complete name. Providing complete, accurate, and consistent identification on your credit applications helps set up your credit history correctly from the beginning. It also minimizes the chance that your credit file will be incomplete or mixed with another consumer's file.

Pay your bills on time. Most lenders look at the most recent information on a report. So if you've paid your accounts on time for the last two to three years, the lender may weigh that more heavily than a series of late payments from five years ago.

Set up a budget and live within it. Managing your finances should be a top priority.

Review your credit report 60 to 90 days before making a major purchase (such as a home or car).
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