5 Tips for establishing credit, LA Times vs The Credit Guy.

I give you my take on the LA Times story from August 19th. Offering only my opinions on the subject.

Start slowly? I would suggest starting with 5 good bank credit cards and then not applying for new credit in order to minimize the credit inquiry impact.

Co Signer. Not a good Idea. Get a secured card or get listed as a auth user from your mom or dad.

‎3 lines of credit. not exactly FICO will score one account as long as it is 6 months old.

Variety. over rated this is normally quoted because it is the official line from FICO.

Secured credit card, this one is correct but apply with a large bank and they will roll the account so you keep all the history.

avoid using more than 30% of your available credit. love this one, It is like they are picking a number out of a hat. Watch this for the real answer

Completely Free Credit Score
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