Build an emergency savings account to see you through tough times so you won't be tempted to abuse credit cards or take out high-interest and high-risk loans such as payday and title loans.
Make your payments on time every month.
Avoid maxing out your credit cards.
Pay off your balances in full every month.
Tips for Establishing Credit
Begin by getting a checking account and savings account in your own name.
Consider putting your name on your utilities accounts.
Consider getting your name on any current household home loans, car loans or credit cards that are in good standing with the creditor.
Before applying for one of the "big" credit cards (Visa, MasterCard, Discover, etc.), consider starting with a gas card or a retail store card.
Use only the credit you need and pay the balances in full and on time every month.
