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When you are just starting out, there are a few things that you should know about your credit. Having a handle on the things you can do to raise your credit score will help you get better offers of credit. This can even help you when it comes time to find a job, as many employers are starting to check the credit reports of applicants before they extend an offer of employment.
The first thing you should do is open one credit card with a small balance. Make a small charge or two on the card every month and pay it off. Keep this account open for a while before you open another. A history of on-time payments and keeping card balances low has a huge impact on your credit score. Lenders also want to see that you have accounts that have been open a while, so don't close unused accounts unless the temptation to use them is too great.
Likewise, don't accept every offer of credit that is extended to you. Many of these cards have high interest rates or lots of hidden fees and the cost to your wallet is greater than the benefit to your credit score. And don't get discouraged when your credit score doesn't shoot up overnight; building good credit can take years, especially when you are just getting started.
If you are just getting started with building your credit and are looking for advice or assistance, we can help. We have provided a list of the top ranked credit repair companies in the United States for you to browse and find the best one to help you achieve your financial goals.