re: best ways to build credit

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kingbob

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Sounds like your dad is good with money and just wanted to shield you from getting in credit trouble.

Ask him if he has a credit card with an impeccable history (no late payments, low usage amount etc). Ask him if he'll add you as an authorized user. Explain to him that you don't even want the card and that you just want to piggyback off of his credit history.

My 19 yr old son has never been given a credit card nor has he ever applied. Yet his credit score is 759 (just checked last week). I started piggybacking him on two solid cards of mine that I hardly ever use. I've done the same for my 16 yr old but I can't check his score until he's 18. I'm sure it will be excellent as well by then.