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What You Can Do Right Now
Information is great. But taking small steps now can lead to big changes.
- Today
- Are you thinking about applying for a loan? A credit card? A cell phone? If you have no credit, how might you start building a credit history?
- Identify the credit building tool(s) that makes the most sense for your financial situation.
- Next Week
- Find a bank, credit union or other organization offering secured credit cards or credit building loans.
- Apply for a secured credit card or credit building loan.
- Do you have a friend or family member that would allow you to be an authorized user on their account?
- During the Next Few Months
- Make your loan or credit card payments on time
- Stay current with all of your bills
- Be sure you understand how to keep good credit once you build it. Don’t let a small mistake undo your hard work.
