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How to Build Your Credit Score for the First Time
Obtaining a good credit score is becoming more and more essential in modern society – whether you need to buy a car, take out a loan, or purchase real estate, your credit score will often be the factor which determines the success or failure of your application. Once you have turned 18 and left high school, there are some great opportunities you can take to help develop your credit score and achieve your financial goals.
Get a job for financial security
It is going to be difficult to pay back loans if you do not have a consistent source of income – so getting a stable, reliable job is a key factor. Once you have a job, get into the habit of saving some of your income. Having funds set aside can be helpful towards a down payment for a loan, or even emergency funds if the need should arise.
Set up a credit card
Credit cards have a stigma for being financial traps, but learning how to effectively use a credit card is a great way to build a credit score. It also helps you with good credit-building habits and tools which you can use for more substantial forms of credit. Get into the habit of paying off your credit card in full every month, and refrain from viewing the credit limit as ‘free money’ – whatever you spend on the credit card, you will have to pay back.
Credit-builder loans can be obtained through banks and credit unions. Basically, it is a ‘loan’ which is deposited into a savings account and cannot be accessed until after the loan has been repaid in its entirety. This is good for students or young people who want to build up credit, but do not want to take the risk of overspending on a credit card or overdraft. Make sure to do your research on finding a credit-builder loan with the best terms and interest rates for your situation.
Conclusion
Regardless of the methods you use to help build your credit score, the most important thing to remember is how credit works – you have to pay back what you borrow. Never borrow beyond your means, and try not to be enticed by the offers of free money.