How to Build Credit History and Stay Out of Debt

Building a rock solid credit history and staying out of debt go perfectly hand in hand. Many times the perception is that debt is not only a reality, but also a necessity in order to build credit. Technically there is some truth to this, but building an excellent credit history is more than just pumping up a numerical score without regard for any other well-rounded financial practices. Here's how to build credit history and stay out of debt at the same time. Start With Credit in College Building a credit history is much easier when starting off on the right foot early. The college years are the perfect time to not only sign up for checking and savings accounts, but also to apply for a first credit card. ...

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