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A Late Start Building Credit
What is the very best way to start building your credit when you're 21 years old and have none?

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You don't have a real late start.  Some people. falsely believing that cash only is the best way, don't build credit until much later in life.

You can begin by getting a secured credit card, which will require that you deposit a few hundred dollars with the card issuer.  This will be your credit limit.  After several months of proven good usage and excellent payment history, you can qualify for a higher credit limit standard credit card.  Try to keep your usage below 20% and to pay off the account in full every month because keeping a balance causes you to pay interest and saving money is the best use of credit.

I hope you have, or soon will, read the articles on this site because the purpose of Credit Karma is to help people learn how credit works and how to build their credit score, which is something not taught elsewhere.  I have had my score increase from fair to excellent in a couple of years by paying attention to the information provided by Credit Karma.

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