Best way for a student to increase credit score?

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Best way for a student to increase credit score?

Postby zrussell » Wed Jul 25, 2012 4:23 pm


I am a 19 year old college student/entrepreneur who is looking to increase his credit, to hopefully get a house in the future. I currently run my own web design company that is very successful right now. My Current Credit score is around 660 according to credit karma (trans union). Here are my Lines

(1)Paypal Store Credit ($1.5k)(currently maxed)(1yr old)
(2)Boscov's Store Credit ($500, 400bal)(1yr old)
(2)Capital 1 (basic card)($300lim)(just approved)
(4)Discover Student More ($500lim)(Just approved)

I oddly got approved for two cards in one day! I have a bunch of inquiries on my report, which i now is really bad (like 17 in two years). I want to know the best way to manage my debt, and pay off my current loans (should I transfer balances off paypal?etc..) My end goal is to eventually get a home loan in the next few years, I will be married then. My fiance also has no credit, and has never applied for credit, what is her best bet to start building credit so she can do well for herself (secured card, or joint with me)


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Postby 432521 » Wed Jul 25, 2012 5:36 pm

I would say you want to start by paying down your cards first

is your fiancé also a student? does she have a job? if she is both I say she applies for either a student card like the more or a student card thru her affiliated bank like Wellsfargo, BOA, Chase, or Citi.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

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