Suze Orman explains how to raise your FICO score by paying your newest bills first. For more on #America’s Money Class, visit

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How to Raise Your FICO Score | America’s Money Class | Oprah Winfrey Network
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Martin Lewis' credit history Q&A

Martin Lewis answers a number of questions about how to reconstruct or boost your credit score.
Attempt the bank card qualifications calculator 100% free:
Martin explains how fico scores and ranks work, covering topics like:
If I have actually plenty of debts or are broke, whats the quickest option to reconstruct your credit score? 0:15
Is there a guideline understand if you should cancel an unused charge card? 1:35
I have best credit rating but I cant get credit? 2:20
Do banks enable individuals with woeful credit rating getting a bank account? 3:16
Let’s say we move frequently, will this harm my credit history? 3:47
How do you dispute defaults to my credit file? 4:42
Do organizations have to let me know why i acquired rejected for credit? 5:39
could it be true the more times you check your credit rating, the even worse it becomes? 5:48
I’ve examined my credit history but do I must always check my credit rating too? 6:04
Will enhancing my credit history improve measurements of the home loan i could get? 6:12
The length of time will a personal bankruptcy remain on my file? 6:25
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Read the complete credit rating guide on how to rebuild or protect your credit history:
Utilize the eiligibility checker to determine what bank cards you can get without doing a tough search on your credit file:

Welcome to my MissBeHelpful channel!

In this video, I explain:
-how your credit score is calculated
-how to improve your score quickly by keeping your utilization low

I also share a helpful trick to remember these rules, “Divide by 10… THEN spend!” (Watch to find out what it means and get examples!)

More from MissBeHelpful:
Common Credit Card Myths:
Budgeting Basics:
How I Save Half of My Income:
Why You Need to Start Retirement Saving in Your 20’s:
5 Things to Consider When Applying for New Credit Cards:
Credit Card Rewards… Do’s and Dont’s:
Become and Expert at Reading You Credit Card Statement:
How To Improve Credit With Limited or No Credit History:
Best Apps to Save for Retirement with a ROTH IRA:
Best New Way To Improve Credit – No Credit Card Required:
How Trump Can Affect Your Finances:
How I Use the Grace Period to Avoid Paying Interest:

Let’s connect:
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’Til next time… PEACE!
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How to Build Credit With No Credit History

For more information on how to build credit, visit

Whether you’re a young adult applying for credit for the first time, or you just haven’t used credit in a while, when you finally do want to get credit it can be a frustrating process. You need a credit history to build credit, but no one will approve you for new credit without a credit history — a chicken and the egg scenario. Who knows how these rules came to be, but we’ll show you how to work with them.

DON’TS to Avoid When Building Your Credit

DON’T apply for new credit cards, even credit cards offered to you at retail stores. If more than one creditor has decided that you aren’t creditworthy, chances are the rest of the creditors will reject you too. And every time you send in a new application, your credit score goes down a little bit.

DON’T bother getting a loan with a co-signer just for the sake of building your credit. Before the recession, this was a popular tactic that a lot of people used and that worked fairly well. But these days, creditors are a lot more interested in you proving that you are responsible with your money, not just your parents or your good friends. So getting a co-signed loan or being added as an authorized user on someone else’s credit card are going to do little to nothing to build your credit up.

Apply for a Secured Credit Card

Secured cards are great because they prevent you from getting into trouble with debt since you provide the cash up front. Then, when you sue the card, you are essentially using up money that you’ve already deposited ahead of time. Plus, your card activity is usually reported to the three credit bureaus, helping you raise your credit score and build credit history on your credit report.

Before you select a secured card, keep these tips in mind:

1. Make sure that the activity is in fact reported to the credit bureaus. Most, but not all secured cards, do this.
2. Make your payments on time! The easiest way to ruin your credit is to make late payments.
3. Don’t max your card out. Try to keep your credit utilization at 30% for the best results and keep in mind that your total credit limit will probably be fairly small.
4. Choose a card with low fees. Some charge ridiculous fees that just aren’t worth it.
5. Be patient and diligent. It’s going to take 6 months to a year to build up your credit history, so be prepared to wait a while before applying for a traditional credit card or a loan.

One secured card that does report to the credit bureaus, charges relatively low fees, and consistently get positive reviews from actual account holders is the Orchard Bank secured card.

Unfortunately, it’s really easy to destroy your credit with a handful of bad decisions. But building up your credit history from scratch can take a very long time. That’s why you have to remain patient and diligent. If you stick with it, you’ll be glad you did.
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< img alt="credit report surveillance"src =""width ="400"/ > Photo by Winter Jefferson So among my lovely pals told me
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