Five ways you can establish credit. Apply for a secured credit card. If you re building your credit score from scratch, you ll likely need to start with a secured credit card. Apply for a credit builder loan. Get a co signer. Become an authorized user on someone else s credit card. Get credit for the rent you pay..A good average age of credit history would be five years and up. The longer your positive credit history is, the better the credit scores may be. For example, a consumer with an average credit .More tips on how to fix a credit score maintain good credit of other credit information. Also, rapid account buildup can look risky if you are a new credit user..This is why it s so important to build good credit. Your credit score also suffers when you run up big credit card balances and don t pay them .Steps to raise your credit score. Watch those credit card balances. Eliminate credit card balances. Leave old debt on your report. Use your calendar. Pay bills on time. Don t hint at risk. Don t obsess..
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