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ahyatt21 | As a 23 year-old with about $15,000 in student loans to pay off, what is the best way to reach a good credit? |
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CHARLES R
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assuming you're working now, pretend that you're still a student. Live like a student - frugally for a couple of years and sock as much money as you can into paying down your loans and building up a nest egg. |
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stumpedII
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First and formost get the best possible grades you can. while in school, before you have an employment history, credit history etc.. the only thing anyone has to go on is your grades. secondly pay off your loans slow but sure NEVER miss a payment and never be late. paying off a 15,000 debt will get you all the "good credit" you need. as someone else posted.. credit is usually a trap. I personally think the only thing you should put on credit is a house or a car or an emergency. you can use credit for a few other things too.. but it's very very easy to get behind and end up paying massive interetest for years. An example of safer uses might be to buy gasoline with a gas only credit card.. and other car expenses.. so you "secure" your transportation and can respond to transportation emergencys. Other than a car or house tho, or perhaps clothes for a new job. you should try to save money instead. and buy from a surplus that will pay YOU interest untill u spend it. thats way way way better than owing money your whole life and paying outragious interest on it too. For decent credit, just try to get a good job, pay off any and all debts you ever incur fully and on time. avoid credit cards like the plague, they are evil. In fact if you do a save/pay as you go.. you might find yourself with a growing surplus which you can invest and make even more money.. |
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Ginger D
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Generally, student loans don't look so bad on your credit report. Its mainly consumer loans like credit cards that hurt. However, if you have several student loans, I would consolidate the loans into one loan payment. That will help save money from interest and keep your credit history neat. Good luck. |
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BlackRepublican
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You should focus more on being debt free than having a good credit score. Timely and early payments help keep your credit in good shape. Don't be like everyone else and think that the more you borrow and pay off the better for you. With interest...you lose everytime. |
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EMT13
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Are you paying the student loans on time? Student loans stay with you forever so do not mess up those payments!!!
Do you have a credit card? If yes keep utilization below 30% and pay in full monthly. If you have no, get copies of your credit reports & make sure they are no negative accounts and check your FICO score before applying for a credit card. Then I suggest a student card if you're still a student. Otherwise get a secured card such as National City that has a low annual fee of $36 that allows you to pay the $36 at a rate of $3 per month. Do you have a checking account? I'd suggest you use your card for something like a tank a gas at say $30 then immediately deduct $30 from your checking account balance so you always can pay your credit card bill in full when you get the statement. After you've had the secured card for around 9 months to a year then check your FICO and proceed from there. |
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qris
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I assume you mean how do I keep good credit? Here's the key. When the bill comes for that student loan. Pay it. Even if you think it's too early or that you should be paying less etc. Pay the bill, and call them to correct any problems. Trust me. The one thing I have learned about credit is, not paying student loans will ruin your credit faster than anything. Paying your student loans will help your credit faster than anything. Other people will give you advice about credit cards etc. My advice on them is to only have one for emergencies. Your credit is built much faster by those student loans which update their positive reporting once a month vs credit cards who sometimes never positive report. And positive reporting is what raises your credit. Once you make certain purchases like vehicles and mortgages, rules require that they update positive reporting more often than porr reports. The key is to make sure you have positive reports, and that those positive reports come often. |
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Dj S
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buy something @ a jewelry store..and sing up for payments.. and just get them in on time... the best and easiest way to boost up ur credit!! |
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Jason K
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use credit cards, thats the fastest but also most dangerous. If you cant get one get a secured credit card from teh bank. |
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Average Joe
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Stop using credit cards for a while and pay off your student loans. They're going to put aweful marks on your credit until they're paid off.
After that, the best way to build it is pay off your credit cards in full each month. i.e.- don't spend more than you can afford to pay every month. Things like gas fill-ups, then pay it off, then groceries, then pay it off right away. (if you do things online, you don't have to wait for the bills to come every month) |
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fatguyonalittlebike
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Stop charging things and start paying down your debt. |
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