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How to Establish or Re-Establish Your Credit
 
How to Establish or Re-Establish Your Credit  
In today’s tough economic times, where every person is being evaluated by a number (Credit Score), having a good Credit is an essential to enjoy an appropriate standard of living. You need to have a good credit just to rent an apartment, rent a car, open a bank account, get insurance, get a job, buy a car or obtain a home mortgage. Depending on your Credit you will be denied, will be offered a good rate, or will be offered with higher than normal rate/down payment, etc. Like most cases in finance, those with the lowest risks get to pay the lowest rates.
 
This articles provides steps and guidelines for those
 
Who do not have a credit history such as new high school graduates, new immigrants with permanent residency, etc.  (Need to establish credit)
 
Who do have a credit, but their credit and credit score are not good (Need to re-establish credit)
 
Steps in Obtaining Credit  
1.       You will need to have checking and savings account when applying for credit cards. So, if you don’t have, open a checking and savings account. Banks offer many different ... more

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