Establishing Positive Credit

  • Pay revolving credit below 50%, 30%, or 10% of balance. But don’t close the account
  • Ask for credit limit to be raised on revolving accounts
  • Ask for your name to be added to a family member’s account – but ONLY if that account is clean
  • Apply for a secured credit card, charge less than $20 total, then pay it off and repeat
  • Make sure you establish a good TREND of paying off balances or balances are trending downward