Tips and Advice on Credit Building.

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” Robert Kiyosaki

Pay your bills on time.

Pay credit card balances strategically.

Keep your balances low.

Ask for higher credit limits.

Consider a credit card.

Dispute credit report errors.

Don’t apply for more credit cards than you need.

Become an authorized user.

Keep an eye on your credit report.

Deal with collections accounts.

Get credit for rent and utility payments.

A checking account could get you a credit card.

Put bills in your name.

Put your name on the lease.

Establish a permanent residence.

Read the fine print about rates and fees.

Don’t apply for too many lines of credit at once.

Give your credit a regular checkup.

Don’t take a cash advance.

Just say no to credit repair companies.

“Run your household like a business and manage your finances like a bank! The lack of money is not our problem it’s the mismanagement of life holding us back from maximizing our earning potential.” Mark A. Wingo

“Frugality isn’t about cutting your spending on everything. That approach wouldn’t last two days. Frugality, quite simply, is about choosing the things you love enough to spend extravagantly on – and then cutting costs mercilessly on the things you don’t love.” Ramit Sethi

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