{"id":6749,"date":"2016-04-15T18:00:30","date_gmt":"2016-04-15T18:00:30","guid":{"rendered":"\/?p=6749"},"modified":"2016-04-15T18:00:30","modified_gmt":"2016-04-15T18:00:30","slug":"how-to-build-credit-when-youre-just-starting-out-part-3","status":"publish","type":"post","link":"https:\/\/smartfiguide.com\/finance\/credit\/credit-scores\/how-to-build-credit-when-youre-just-starting-out-part-3\/","title":{"rendered":"How to Build Credit When You\u2019re Just Starting Out: Part 3"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Building good credit when you\u2019re just starting out doesn\u2019t have to be a worry. All you need is a little patience along with some good strategies and before you know it, your credit history will be strong. So far in parts <a href=\"\/credit-scores\/how-to-build-credit-when-youre-just-starting-out-part-1\/\">one<\/a> and <a href=\"\/credit-scores\/how-to-build-credit-when-youre-just-starting-out-part-2\/\">two<\/a>, we covered the advantages of getting a cosigner, becoming an authorized user, diversifying debt and going to your local bank. Now, here are a couple of more strategies that\u2019ll help you build up your credit history for the first time.<\/span><\/p>\n<p><b>#1 \u2013 Department Store Card: <\/b><span style=\"font-weight: 400;\">\u00a0Another great option for building credit is getting a store credit card. The interest rates may be much higher, but the approval process isn\u2019t as difficult. Just make sure you pay that debt on time every month. If you fall behind, that will ruin your credit history before it ever starts.<\/span><\/p>\n<p><b>#2 &#8211; Ask Other Account Holders to Report You:<\/b><span style=\"font-weight: 400;\"> If you have recurring monthly expenses such as rent and utilities, ask the provider to report your account activity to the credit bureaus. \u00a0This strategy is rarely used, but it will work. \u00a0Just be sure your accounts are all in good standing before asking them to report you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now that you have some solid strategies on how to build your credit history from scratch, don\u2019t let anything stand in your way. If you implement these starting now, you will see positive results on your report in a year or less.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Building good credit when you\u2019re just starting out doesn\u2019t have to be a worry. All you need is a little patience along with some good strategies and before you know it, your credit history will be strong. So far in parts one and two, we covered the advantages of getting a cosigner, becoming an authorized&hellip;<\/p>\n","protected":false},"author":1,"featured_media":7105,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"limit_modified_date":"","last_modified_date":"","inline_featured_image":false,"footnotes":""},"categories":[218],"tags":[],"_links":{"self":[{"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/posts\/6749"}],"collection":[{"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/comments?post=6749"}],"version-history":[{"count":0,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/posts\/6749\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/media\/7105"}],"wp:attachment":[{"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/media?parent=6749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/categories?post=6749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartfiguide.com\/wp-json\/wp\/v2\/tags?post=6749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}