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tjay20block

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how do i establish credit
i want to start improving my credit rateing

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If you do not currently have any credit accounts,look into getting a secured credit card.  It requires depositing a few hundred dollars with the issuer, which is generally the credit limit you will have.  The interest rate will be high so you want to be sure to pay what is owed when the bill comes in and keep usage at or below 10%.  After several months, you may qualify for a "regular" credit card.  It really doesn't take too long to build a good credit score if you manage your funds wisely.

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