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Troy96Gir

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How do I build my credit score?
It said I have a thin line file, I need to know how do i start getting credit, and how to build it up?

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To get credit, you need credit.  Strange but true.   The best way to start the process is to get a secured credit card.  This is one where you put money on deposit and that amount is what your credit line is.  You then pay the bill monthly, on time and hopefully in full.   Whatever your credit line, never spend more than 10%.  So, if your line of credit is 300 that means you don't spend more then $30.   If you get the card from a reputable firm they should convert it to an unsecured card in a matter of time and/or start giving you credit line increases.   By Reputable, select one that will in fact convert to unsecured.  It will have an annual fee, just don't get one that also has monthly maintenance fees.   Not all credit cards will convert from secured to unsecured.    It would also be helpful if you selected a card where you could deposit more money into the escrow to increase your credit line.  If you start this way, in 6 months to a year, you will have the beginnings where you can apply for a regular unsecured credit card.   The age of your accounts is important, although don't worry about that as you start.   If you have a friend or relative who has great credit and a card with low utilization and they pay on time, you could ask if they would add you as an authorized user.  You instantly inherit their date and their good history.  Its a cheat, although its valid and it is legal.   Take the time to review many of the articles on this website and you'll soon be rocking a nice credit score.

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