Building and Rebuilding Your Credit ScoreBy Think Credit Reports

Introduction

Based out of Valencia, California, Think Credit Reports provides individuals with easy-to-understand credit scores. Customers working with Think Credit Reports receive data from Experian, Equifax, and TransUnion.

Having a good credit score becomes increasingly important as a person ages and begins shopping for student loans, a new car, and eventually a home. Whether a person has no credit history at all or suffers from a poor credit score, there are a number of simple ways to go about working toward better credit.

Credit Score

Paying bills on time is the easiest way to start showing up on the radar of the three major credit bureaus. A young person or individual with bad credit may struggle to get a credit card, but he or she can still make timely payments on cable and utilities. Paying off debts, such as student loans, can also improve a person’s score. Finally, as a person’s score begins to increase, he or she should speak with a credit agency or financial advisor about obtaining a credit card. The balance on this card should be kept as low as possible at all times, with payments made in full and on time.