Build Your Credit

By Justin Scarborough

When your credit is is below 620 it can be a real pain! Credit problems are embarrassing and will effect your quality of life. If you cant get a car loan you have to drive a hunk of junk. With bad credit you cant buy a house. You will have lots of problems with bad credit.

So what the heck can you do? Well you have several options. You can say screw it and never use credit. Could use someone elses name to buy the things you want a friend or family member legally of course. Or you could get your credit up to where it should be and stop the embarrassment. The best option is to fix the problems. Pay EVERYONE back. That way you can move on and live the life you always wanted with a nice car. You could get out of that apartment and own your own home. Get that great credit card so you can Buy that new tv!
I'm no expert but I will tell you what worked for me. Step by Step

1. Pay down all credit cards. do not cancelle cards that will negatively effect your credit

2. Make ALL payments on time

3. Get a copy of your credit report and make sure everything on it is correct

4. Always have at least 4 credit reporting loans or bills. You can have more if you wish but dont over extend yourself.

5. If you cant get approved for a credit card get a secured card

6. Need a new credit Card?

http://justinjscar.ecreditdirectory.com