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samandskeeter

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how do i improve my credit score ?
di pay m bills on time and not use my credit cards or do I use them in a timely way?

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Of course you need to pay bills on time. You should use at least one credit card per month to show revolving activity, but pay it off by the due date to avoid interest. Read all that you can about building credit as there is a lot to know. Start reading right away as that is your first step and it takes time to build credit so the sooner that you get reading the sooner you will find success. In general, three credit cards and one installment loan that are reported to all three credit bureaus are the basic and just the basic credit building tools. If you have any negative information on your reports, you need to do some reading on ways to remove it. Remember, typical bills such as electric, phone, gas, insurance, etc. do nothing to help build credit.

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