Building Credit with Credit Cards: A Beginners Guide
Building Credit with Credit Cards: A Beginners Guide
This guide is geared to help gain an understanding of how to handle credit cards, and what affect it will have on your credit report. Additionally, this guide will cover some of the key factors that are looked at on credit reports as well how to help build a foundation for a solid credit future. Whether you have yet to apply for credit, or already have credit cards maxed out; I hope this guide can shed some light on how credit works.
Now before going any further it’s important to tell you my history and experience with credit. I worked for a major credit card company for several years ranging from customer service to the lending department. The majority of that time was in lending, which was responsible for approving credit applications. It’s from this position that I learned not only how to view credit reports, but determine what it showed about the customer applying. Ever since I have been helping friends and family with credit advice and decided to put this quick guide together to help people understand how their credit works.
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