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How Do I Start Building Credit from Start?

Improve your credit score If you have never had any credit, the best way to build it is to get a few credit cards. Pick at least two from the major lenders (Visa, Mastercard, etc.) and make sure they have no annual fees and a long grace period. A grace period is the amount of time you have before interest is charged to make a payment on your account. Also, try and get one with a relatively low APR. Once you receive your cards, rotate your usage, i.e. use your Mastercard one month and your Visa the next. Use the cards for very small purchases and pay the bill ON TIME. Within about 6 months to a year, you'll see your credit score start to rise. You will also be able to lower your interest rates on your cards once they see that you pay them on time. 

Credit card problems? We can help! Make sure to speak to Jacoby & Jacoby either online or call us at 631-289-4600 to schedule a FREE consultation. We can review your individual situation and answer all of your questions.

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