Regular Contributor
Posts: 217
Registered: ‎09-25-2012
Re: Need help building credit, the right way! Please help!

newbee25 wrote:

First thank you,


My credit score was 580 when I just recently had it checked. My fico score on here is 623. So I should apply for a credit card from my credit union and then a store? When I do whats the best way to use those cards to build my credit? I have never owned a credit card.  

If approved for those two cards make sure to report one of the card at a utilization of 1-9%. Keep doing that and you should see a difference in your credit score. Gardenn for at least 6 months before trying to app anywhere else. 

TU 746 (10/13)
GOAL: 750+