Establishing Credit - CREDIT REPORT

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TODAY'S SAVING TIP A lot of people spend more than they can afford and pay less toward their debts than they should. To get control over your finances and to manage your debt, try: Budgeting—In many cases, people design and then stick to a budget to get their debt ... Read more

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CREDIT REPORT: Establishing credit

If you’ve never had a credit card, it may benefit you to get onejust to establish credit. If you don’t qualify for a financialinstitution’s credit card, apply for a department store card(they have much lower standards for successful applicants). Ifyou’re married, keep in mind that if each of you has creditcards in your own names, you each have your own credit re-port. If you have any joint cards, the card will appear on bothof your reports. Most bureau’s also offer a consumer credit re-port so that you can check exactly whose name appears. Keep one loan or credit card in each of yournames, so each of you establishes your own credit history. Thisway, if one spouse dies or you divorce, you won’t have anytrouble maintaining or using your credit.