How do you build a credit history without tearing down your credit - TopicsExpress

How do you build a credit history without tearing down your credit rating? How do you charge just enough on a credit card to catch a break on a loan – without breaking your budget and plummeting into debt? Consolidated Credit founder and CPA Howard Dvorkin pointed out this irony: Having no credit history can be as detrimental, or worse, than having a bad credit history. The Times urges young people to use a credit card just enough to prove theyre a good credit risk in the future for major purchases like cars and homes. Dvorkin offers a clever idea: Mr. Dvorkin suggests giving the card to a trusted relative for safekeeping if you are worried that you will be tempted to overspend. - See more at: consolidatedcredit.org/press/article/2076/#sthash.AkQ5LIUr.dpuf

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