1. Educate yourself.
 
Credit isn’t the sort of thing you want to experiment with until you get it right – it’s a lot easier to kill your credit health than it is to fix it. You only get one chance to build your credit history from scratch, so before you begin, it’s important to get educated on the basics, like what factors go into your credit score and how to read your credit report.

How: If you’re reading this, you’ve already taken the first steps! Nowadays, it’s easy to learn the ins and outs of credit and personal finance. Take advantage of the Internet and regularly read up on how you can improve your financial situation. Don’t worry, you don’t have to become a credit expert – just a little education can go a long way in helping you start your credit journey off right.
 

 

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