Establishing credit and improving your overall score it super important, Here are some ideas that should help

1. You need to know your credit score - You can get a free annual credit report this basically gives you a run down of how you have been spending money, it shows a banker or a lender how you have handled money historically. Yep they check these to even see how many times you have stiffed columbia house for all those free cds. Scores can go as low as 300 and go all the way up to 850, with the average USA credit score being 723, so if you are lower than 620 you are going to have to work hard at getting it better. If you are just under 700 you still have to work a bit more but you are heading in the right direction.

2. Be sure they are accurate - Not all the time are they 100% correct so you might have to contact the credit company to dispute some of the information

Improve Your Score

1. Make sure you pay all your bills on time, every time you get house bills or credit bills.. get them paid off, it seems like its a no brainer but creditors wouldnt exist. One of the biggest ones they look at is Your mortgage history, this tells them a lot about your credit worthyness

2. Only keep two credit card open at any one time - Pay the minimum balance or ideally pay them off this means that they dont have to send Dog the bounty hunter after you when you are 120 days past due

3. Pay off lingering Debts - Any items that are outstanding be sure to pay them off