Debt Adviser: Bad Credit can be managed by setting goals, paying bills

AR Debt Adviser: I have bad credit with my bank, and I am making payments on what I owe, but I have no credit. What credit I have is bad, because I'm so young, and I have hardly anything in my name. What is the best way for me to establish credit? - Blair
Dear Blair: You do not have bad credit because you are so young and have hardly anything in your name. You have bad credit because you do not pay your bills as promised.
I do not mean to point this out. But if you do not understand what is wrong, chances are you have a very hard time determining to have it. And you can fix with a few simple steps! What you need are some goals, a spending plan, some savings and, finally, to pay your bills as agreed each month, not just sometimes.
Here's how to get started:
First comes the goal setting. Imagine your world in two, five and 10 years. Once you have an idea of ​​how big it will be, you also have an incentive to save and build your credit.
Then create a spending plan. Start by adding all your sources of income, and write all your expenses. If you are new to developing a plan, a good exercise for a month to take and write down the cost, whether it's a debit card transaction, check, automatic payment or cash. Then separate your expenses into categories based on your spending for the month. You might be surprised to learn what you spend your money and how much you spend. If your expenses exceed your income, cut back so that your income covers all your expenses and provide savings.
Once you have a spending plan in place and you build savings for your goals and an emergency fund, you can continue the search for new credits to help make a positive credit history to determine. Two loan products can help credit-newbies as you establish credit, a passbook loan and a secured credit card.
Passbook loans are small loans secured by a deposit made by you in an account with the bank that issues the loan. You make regular monthly payments for a specified time (one to two years, usually), as you would with other loans, such as a car loan. If you decide to apply for a passbook loan, make sure the bank reports the loan to all three credit bureaus, because if the loan is not reported, it will not help build your credit. The required monthly payment on the loan should be a part of your spending plan so you know you have no difficulty meeting the payment for them.


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