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October 17, 2012 by  
Filed under Blogs, Credit Score

7 stepsEstablishing credit helps build financial stability. If you have no credit history, there are several easy steps you can take to establish it.  There is a common misconception that no credit is as bad as poor credit.  This is not true.  However, establishing credit  from scratch requires some time and a little afford. Here are 7 easy steps to help you establish credit:


  • Join a credit union.
  • Open a checking and savings account.
  • Make steady deposits to savings account.

Don’t be discouraged if currently you can put small amount towards savings. Focus on making regular deposits and stay on track.

  • Avoid overdraft on your checking account.

Overdrafts are indications of a cash flow problem.

  • Open a credit card.
  • Open a Secured Credit Card.

If regular credit card is not an option right now start by opening secured credit card. Your credit union is a good place to apply.

  • Get copy of your credit reports from credit bureaus.

If you find any errors work on correcting them yourself or hire professional credit Repair Company.