https://padlet.com/trwoods/t27hq67lq0z1 Maintaining good credit en-us 2019-04-11 13:44:05 UTC 2019-04-12 13:16:36 UTC hello@padlet.com trwoods https://padlet.com/trwoods/t27hq67lq0z1/wish/350768260 Building a good credit score takes time, probably at least six months of on-time payments.]]> 2019-04-11 13:44:05 UTC https://padlet.com/trwoods/t27hq67lq0z1/wish/350768260 trwoods https://padlet.com/trwoods/t27hq67lq0z1/wish/350768261 Rent-reporting services such as Rental Kharma and RentTrack take a bill you are already paying and put it on your credit report, helping to build a positive history of on-time payments.]]> 2019-04-11 13:44:05 UTC https://padlet.com/trwoods/t27hq67lq0z1/wish/350768261 trwoods https://padlet.com/trwoods/t27hq67lq0z1/wish/350768262 As an authorized user, you’ll enjoy access to a credit card and you’ll build credit history, but you aren’t legally obligated to pay for your charges.]]> 2019-04-11 13:44:05 UTC https://padlet.com/trwoods/t27hq67lq0z1/wish/350768262 trwoods https://padlet.com/trwoods/t27hq67lq0z1/wish/350768263 It’s also possible to get a loan or an unsecured credit card using a co-signer. But be sure that you and the co-signer understand that the co-signer is on the hook for the full amount owed if you don’t pay. ]]> 2019-04-11 13:44:05 UTC https://padlet.com/trwoods/t27hq67lq0z1/wish/350768263 trwoods https://padlet.com/trwoods/t27hq67lq0z1/wish/350768264 A credit-builder loan is exactly what it sounds like — its sole purpose is to help people build credit.]]> 2019-04-11 13:44:05 UTC https://padlet.com/trwoods/t27hq67lq0z1/wish/350768264 trwoods https://padlet.com/trwoods/t27hq67lq0z1/wish/350768265 If you’re building your credit score from scratch, you’ll likely need to start with a secured credit card. A secured card is backed by a cash deposit you make upfront; the deposit amount is usually the same as your credit limit.]]> 2019-04-11 13:44:05 UTC https://padlet.com/trwoods/t27hq67lq0z1/wish/350768265