To Create a Credit History: First


Apply for a
secured credit card. You deposit money into a
collateral account that then becomes your

"line of credit."

Gas cards and retail cards also tend to be easy to get.

When you make monthly payments on your balance
your payments are reported to the credit reporting
bureaus and become part of your credit history.

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Always pay
more than the minimum balance
and pay the balance in full
whenever you can.
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