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re: best ways to build credit
Posted on 6/26/14 at 9:58 am to The Spleen
Posted on 6/26/14 at 9:58 am to The Spleen
Hopefully, my car will last me a couple more years before I need to replace it. I am most interested in building credit so I can buy/build a house after I get married (which will likely happen in the next year to a year and a half). Thankfully, she had parents who were much wiser about credit, so her credit score is fantastic. However, I'd like to not have to rely on her score.
1
Posted on 6/26/14 at 11:37 am to kingbob
quote:
However, I'd like to not have to rely on her score.
If you're planning on buying or building a house together, they will take the lower of your and her middle score. So if you have lower scores than her and your TransUnion FICO score is 660, Experian is 650 and Equifax is 640, your interest rate will be based on YOUR middle score, which, in this example is 650.
Take the advice you've been given and go for credit cards, credit union accounts, etc. I've heard of credit unions also providing "Credit Builder Loans." Maybe you could check into one of those as well. Good luck.
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