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A respectable credit score is essential if you plan to purchase a home or vehicle or qualify for a personal loan. Additionally, your credit can even affect your ability to get a job, as many top employers now check prospective employees' credit. Over time, good credit will save you hundreds or even thousands of dollars in interest charges. Someone with excellent credit always gets better financing rates because creditors consider their risk of default minimal. On the other hand, those with poor credit scores are seen as a higher risk, leading to higher interest rates throughout the loan duration.
Rebuilding your credit can be a challenge, but it's never too late to start. With time and discipline, you'll begin to see results. Paying down your existing debt as quickly as possible in large sums is the fastest way to improve your score, but you might find that you still have a way to reach your target score. If you haven't already, set up auto-pay for all your monthly expenses, so your credit never takes a ding from a late or missed payment. Over time, your score will continue to improve.
You may think you can achieve excellent credit by having a credit card or two and keeping them paid off. Unfortunately, timely payments are only one piece of the puzzle. Credit bureaus prefer to see a diverse mix of credit accounts on your report with a high combined credit limit. This means the more credit accounts you keep open, the better your score. Bureaus also like seeing that you have experience with multiple forms of credit, so having open loans in addition to credit cards on your report is a plus.
Building your credit is a process that takes time, but where to begin? Traditional unsecured credit cards are hard to get without a credit history, so applying for a secured credit card is a significant first step toward building a positive credit score. Secured credit cards require an initial deposit that the issuer holds. Another way to establish credit is to take out a small loan with a co-signer who has good credit.