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Start building Credit History

New Visitor

Start building Credit History



I have come to the USA 6 months back and got a credit card right away on the student account. I also received the SSN now. 

With all this what are the best practices to build a good credit score over the time? 


Also, I have not updated my bank with my SSN. How necessary is that?



Message 1 of 3
Not applicable

Re: Start building Credit History

Welcome to the country and to the forum.


Basics for you now are quite simple.  NEVER miss a payment and keep your overall utilization low (balance verses limit).  Stick with these two things for a year or so and you'll open the doors to other credit opportunities while increasing your AAoA (average age of accounts).  Within a year or so you can sneak into the 700's with your scores which is considered very respectable by most.

Message 2 of 3
Valued Contributor

Re: Start building Credit History

Could not agree more. Keep everything in check and on time, as well as do not over extend yourself with more then you can handle.

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 3 of 3
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