6 Simple Tips for Newbies to Establish Stellar Credit

How can you build credit from scratch? These straightforward steps are the key. They will even help boost seasoned credit profiles.

1. Start with your credit report

credit reportCasper1774 Studio / Shutterstock.com

This is a simple but important step many consumers overlook. Credit reports sometimes contain inaccuracies, and they can alert you to fraudulent accounts opened in your name as a result of identity theft.

Even if you’re new to the world of credit, you might still have a file with the three major credit bureaus — Equifax, Experian and TransUnion. So, request your free credit report from them.

Then, carefully analyze the contents and dispute any inaccuracies. For pointers, check out “Fixing Your Credit? Do These 5 Things, Avoid These 3.”

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