How Can I Build A Credit History ? - CREDIT INFORMATION
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CREDIT INFORMATION: How can i build a credit history ?
It can take from six months to two years of on-time payments and responsible use of credit to build the kind of credit history most lenders consider reliable. Sometimes it is easier to try to get your first credit account close to home. Try a local lender, department store or a credit union—a financial institution run by its members instead of by a for-profit company.
When trying to build a credit history, it's very important to find a lender that will report the payment record on your new credit account to one or more credit reporting agencies. If it's not reported, you won't establish a record for future lenders to see. (Since people with no credit or poor credit usually have to pay higher rates of interest, some lenders want to hold on to profitable customers and therefore do not report their accounts to credit reporting bureaus.)
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