Talking about credit is about trust. The Credit Bureau of the United States consists of three companies: Equifax, Experian and TransUnion, which generate each a score, in order to qualify people and to define which level of credit. The specified credit report and reports on current and past payments, delinquent or paid satisfactorily. Besides reports on balances of all accounts. Reports on the public record, liens, child support, unpaid taxes or bankruptcy, and other details. If you have no credit history will show you how you should build an alternative credit: You must show you have paid rent dutifully, as well, that energy, telephone, gas, phone, car insurance or any similar expenditure. A good recommendation is that you must keep the checks for these payments, the same, which receipts.

You also need to have the lease in your name and ask where necessary, letters to the companies insurance, telephone, electric, gas, etc in order to build your credit perfectly fine alternative use for the purchase of your property. You can apply for secured credit cards that different banks have available to you or enter any account as a co-signer. So start building your credit in the United States. If you already have credit I’ll make some recommendations that I consider fundamental: It’s all about to be very careful in handling and in the performance of the various monthly payments that you make your bills. 0.Si the pay on time and not fall behind in your payments you acquire a good credit. 0.Si you’re late on a payment, you should catch up and from there, keeping up with payments. 0.Es important to bear in mind that if you missed a payment and then canceled, the pay does not make it disappear from the credit report, which is why, you must be attentive to cancel an organized way and with great discipline, all payments of monthly bills. I’m going to show the disadvantages affecting the credit: 1.

Paying the bills after the deadline. 2. Accumulating too many cards with balances too high, even if dutifully pay. 3. Duty more than 50% of credit card accounts or the like. 4. Paying less than minimum amount in May. Having overdue accounts and deliver them to a collection agency in June. Impoundment 7. Having bankruptcy Advantages of having an Excellent Credit If you have good credit so you must keep well. If you’ve had various loans, credit cards and accounts and have paid on time, you might have an excellent credit history. The advantages of having an excellent credit are: Establish a credit based on mortgage loans, credit cards or similar. Not exceed credit limits and timely payment of accounts will give better conditions for the purchase or refinance a house or a car. You get any number of credit cards and can choose the most convenient for you and your family You can buy what want (if qualified) to lower interest and lower fees.