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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Tuesday Tip – How to Build Credit History

Our debt counselors know that many Millennials have experienced a hard time building credit with the tough economy and job market they have experienced as adults. According to Experian, with an average credit score of 625, Millennials have the lowest credit scores of all generations. Without credit, Millennials limit their access to financial opportunities such as mortgages and loans. Because we’ve found that many Millennials don’t know how to build credit history, here’s a credit counseling guide to get started!

Follow our credit counseling advice to build credit history.

Follow our credit counseling advice to build credit history.

How to Build Credit History

With a few simple steps, it is possible for Millennials to build their credit history.

  1. Get a credit card – Use your credit card to make small purchases. If a regular credit card isn’t an option, try to open a secured credit card. Many times after a year or more with a positive usage history, the credit card company will send you an unsecured card.
  2. Make payments on time – Make payments on or before the due date to build good credit. Making payments on time is also important with bills and loans.
  3. Avoid credit card debt – Pay each credit card balance in full every month to avoid falling behind.
  4. Limit the number of open accounts – Apply for and open new credit card accounts only when it is truly necessary. Too many opened accounts can send a negative message to your potential lenders. This, too can decrease your credit score.
  5. Check credit reports – Check your credit report every year for any errors or discrepancies. Report any suspicious activity immediately.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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