Establishing Credit Many countries use a system of æcreditÆ in order to do business with the public. It is in fact, a very good method in order for merchants to minimize losses. The issue is when a person or business does not have an established credit, it is extremely hard to receive loans, and apply for other unsecured benefits. I have provided many tips and strategies which should help in establishing good credit. Please be advised that good credit takes time. Getting your first line of credit: 1. One of the best methods of obtaining good credit is by having revolving accounts. Revolving accounts are type of loans that allow the borrower to keep spending as long as they have sufficient balance and continue to make regular payments on the already used balance. Credit card and line of credits are revolving accounts. Without good credit it is hard to obtain a revolving account. I think the best way to do this is by applying for secured credit cards. This means, a financial institution will take a specified amount of money from the borrower and place this in an interest bearing savings account in their name. In return, they will be granted a credit card with the same spending limit as the deposit. The credit card operates just the same as a regular credit card. The only difference is the financial institution has the deposit in case the borrower decides not to make any more payments. Please be ensured that as long as you have been given a secured credit card from a reputable institution your deposit should not be at risk. In order to build your credit it is important that you make all your payments on time. Only payments that are at least thirty days late are usually reported to the major credit bureaus, but be aware of late charges, that will usually be incurred by the financial institution. 2. If you are a college student you may be eligible to receive a æstudentÆ credit card. Many financial institutions offer unsecured credit cards to college students, but these cards will usually have higher interest rates as well as lower spending limits. Do not be discouraged by this, as a well managed credit card will only be of good to you in the future. The way to reduce the interest you pay is to make higher payments each month. WhatÆs next? 1. Ok, so you have your first revolving account, what comes next? Try to follow the same procedure above to receive two or three accounts. Make sure that you pay on time every month. After about six months try applying for other
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Katrell Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Katrell Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Katrell Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Katrell Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Katrell Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Katrell Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Katrell Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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