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How to Build Your Credit Score Whether you have no credit history or a long history of good credit, it is important to know and understand how to build your credit score. Regardless of what some may promise, there is no quick, overnight way to achieve a "good" credit score..
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A credit report is a record of how you've used credit in the past. Your credit scores estimate how you'll handle credit in the future, using the information in your credit reports. You'll want to monitor both to watch for errors and to see your credit building efforts pay off. Credit reports show how you've used credit in the past. Scores use that data to .
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