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Your credit history can have an impact on many things in your life including your job, home, and insurance. Those with little to no credit can find the process of building credit daunting. However, it is vital to ensuring your future. Here are some basic steps anyone can take to build their credit score.
Late payments can be damaging to your credit, especially if you stop paying your loans for an extended period of time. We've already gone over the repercussions of delinquency and defaulting, but today, we're going to take a look at another method of repairing your credit report.
The mechanics of establishing credit is simple – have one line of credit open for at least six months. The hard part is getting that first line! First, check your credit reports. You might have an established credit history but it’s just not long enough. Use Annualcreditreport.com to get your report from Equifax, Experian, and …