1. Check you credit report. see what the hell you got on there. you get a free one every year

2. Get a bank account. checking and savings. it shows stability

3.Get a credit card while you are in school. credit card company's love kids in college because they think they are dumb and they can get debt quicker or have parents that will bail them out.

4.Get a department store card or gas card. not too many. just one

5. Get an installment loan. (car, mortgage, personal)

6. When you get the credit card make sure you pay the bill in full!! only charge 30% of the cards limit AND PAY IT OFF

7. Try a secured credit card. PROS you deposit money in a acct. CONS most of the time these have high ass app and yearly fees. go to a credit union if your doing this.

8. when you get a credit card make sure you use it. if there is no transactions on the card ever IT WILL BE CLOSED.

9. Make sure whatever card you get reports to all three credit bureaus.

10. If you already have debt, you need to start paying down it. setup a payment plan give what you can afford. if you can only do 25 buxs well then you can only do 25 buxs and in the long run it will add up. start with the largest debt first.

11. Lenders want to see to can handle credit. if you have no credit your about as worse as having banged up credit. get low balance CC

12. keep your identity secret meaning don't buy from a company that doesn't have a good privacy policy. Or you don't trust.


I really hope this might help some of you out there. If you have bad credit and trying to repair it; there are credit repair companies out there that will help and I'm sure they are making a killing on this. Check you credit report and if you see anything wrong with it you have a right to dispute it in a professional matter. Now if you know that you didn't pay that phone bill or behind on your auto loan... well.. you know what you gotta do. also you can consolidate all your debt into one payment.