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Worksheet
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https://www.thebalance.com/things-to-know-about-credit-960188

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Equifax, Experian, and TransUnion. Bureaus keep everybody's credit history and package this info. as reports to sell to banks, landlords, employers, etc.

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You do not need to have credit history in order to get student loans. They will help you build up your credit as you pay them off. These loans though will not be able to build up credit fast, so you will need to do some of these other things in order to build up your credit.

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Have high interest rates and lower credit limits than regular cards. Stores will approve people with less credit history. One store card that stands out from the rest is the Target Red Card. Regular store cards will give you like 20% percent off on just the purchase you made when you signed up for the card. The Target card though will give you 5% back on every purchase.

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For people new to credit. They have lower credit limits ($300-$500) for a start. Annual fee, higher interest rates, and no rewards. Some of these cards are also secured credit cards which means in order to spend a certain amount of money, you need that much money in the bank.

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An easy way to build up credit is to open up a loan account with the person you are cosigning with. They agree to pay off the loan if you stop paying. The reason you can get this loan with no credit is because you are doing it with a responsible cosigner who will have to pay it if you don't.

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A parent or significant other can help you kick-start your credit score by cosigning or adding you as a user of their credit card account. As long as they are paying their bills on time it is helping your credit score.

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You can't get a credit card, or get loans for a house or car without credit history. In order to jump start your credit you can do a few things.