By making simple decisions like paying bills on time, living within your means, and maintaining responsible use of your available credit, you can take concrete steps toward building good credit.
The second item you will need to understand regarding your credit history involves your credit score, a numerical representation of your creditworthiness.
These financial tools provide access to lines of credit for you to finance common consumer purchases instead of using your own money at the time of purchase.
If a family member already carry one of these retail or major credit cards, you might consider asking them to add you as an authorized user to their account.