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Resources & Tools

How To Build Credit History

Many millennials have experienced a hard time building credit. According to Experian, millennials have the lowest average credit score of all current generations – a 625. . Without credit, millennials limit their access to financial opportunities such as mortgages and loans.

Millennials: Here’s how to build a credit history with these simple steps.

  1. Get a credit card –Use your credit card to make small purchases. If a regular credit card is not an option, try to open a secured credit 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.
  5. Check credit reports –Check your credit report every year for any errors or discrepancies. Report any suspicious activity immediately.
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