Building Your Credit 101

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Building Your Credit 101: The Basics Whether building your credit for the first time or recovering from a history of bad credit, there are some great tactics that you can use to get the ball rolling in the right direction.  Any type of credit building or repairing takes months to years to fully accomplish, but incremental progress and credit score increases can be seen along the way and sometimes the most significant positive change occurs within the first few months of this process. The first step to take is to download your credit reports, even if you think you have no history of credit.  Go to and download your credit reports from all 3 credit bureaus – Experian, Equifax […]

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Obtaining Positive Cheap Trade-lines


When it comes to credit reporting and understanding everything that goes into making your credit score, it is very important to understand what trade-lines are. Quite simply, trade-lines are the actual information items that are reported by creditors onto your credit reports. These trade-lines can be either positive or negative, and they are extremely important factors that the credit bureaus use to determine your credit score. Every loan and credit card, and many other types of accounts, report your payment information to the credit bureaus via trade-lines. If you pay your credit card on time each and every month, then you will have a positive trade-line from your credit card company on your credit report. If you miss payments or […]

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