Building a Credit History
Have you ever applied for a loan and been turned down? I have and I remember my feelings at the time. I was embarrassed, angry, hurt and just plain mad. I had been on my own for several years, always paid my bills on time and felt that somehow I had been severely wronged. Those were the days before credit cards were as easy to get and it was harder to establish credit than now. It is important to establish a credit history before you actually need that loan, and it is easier than you might think. Consistently paying your rent, utilities and phone bill on time just wonâ t do it; you could still be turned down for a loan. One of the simplest ways to establish a credit history is through credit cards. ...
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