make sure you have a credit card, pay it off every month, get a loan to keep your credit going, use your credit card every month (lightly), dipsute old credit prolems if you think they are in the wrong. http://money.msn.com/credit-rating/9-fast-fixes-for-your-credit-scores-weston.aspx?page=2
You might not be able to get a loan from you bank or make big expensive purchases!
Your credit score changes about every month. It is updated with new credit applications, defaults and purchases. It is important to check your credit score often.
Having an authorized user card does not help the authorized user's credit bureau score. ie) if I had good credit and I gave someone an authorized user card, that person's purchases would be on my statement and I would be responsible for the other person's purchases. If I don't pay for the other person's purchases, it would reflect on my credit bureau negatively as not paying on time and be charged interest.
Your credit score is based on your credit history. It is not the affected by the number of times you check your own credit rating. However, many credit scores factor the number of times someone else checks your credit and it may lower your score.
Having the cards does not. Having large debts on them does.
When I had such a credit score I was able to get a low APR credit card that let me save on purchases. The more money I saved and the more accurate I was with my payments, the faster my credit score rose. Try it and I guess you'd suceed!
Definitely, your credit score isn
Typically, if you see a "zero" or nothing as a credit score it is due to the consumer having no credit or not having any positive credit that would contribute to the scoring system. A consumer can have nothing but negative credit on their report and this would not generate a score. A score is normally generated when the consumer has had a loan and/or credit card history.
One of the best ways to raise your credit score would be to get a credit card, use it for some of your usual purchases, and then pay it off. For instance, if you apply for a credit card, use it to buy groceries or gas, and then pay it on time you will see a pretty quick improvement in your credit score.
credit score is not based on age but how you handle your credit....handling your credit well and your score goes up.....handle your credit bad, as in having a lot of debt and not paying on time brings your score down.
No
Having a good credit score is important for getting cheap mortgage rates. One can request their own credit score and show it to potential lenders; this is superior to having lenders request one's credit score, which can affect the score.