re: best ways to build credit

I was in the same boat a couple of years ago. the only card I was approved for was a capitol one unsecured card with a $300 limit. I was putting a 2 tanks of gas on it every month and paying it off as soon as the statement posted. In about a year my score was up 112 points.

As far as piggybacking credit history, it doesn not work like it used to. I was added as an authorized user on 2 credit cards and it did not make a bit of difference as far as average age of accounts is concerned.

Apply for the cap one card, if you are declined call and tell them your scenario.