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The Importance of a Credit Score

Your credit history determines what loans you will qualify for and the interest rate you will pay. Lenders get your credit history by obtaining your credit score. You'll most likely need to borrow funds from a lender, which is why a good credit score is important for your financial future.

Maintaining a good credit score will allow you to have access to lower interest rates, higher lines of credit, and even looks favorable to potential employers. It is recommended to check your credit score every 30 days.

Building Credit

If you're starting out with no credit, your first step should be to get a credit card. Once you've secured a credit card, use it responsibly. You should be paying off your balance in full each and every month, and also pay on time.

Do not carry a large balance. By utilizing between one to 30 percent of your card's total balance, you look better to lenders and build up your credit score over time.