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Building and establishing good credit should start as soon as you’re an adult. Starting out small with credit cards from retailers, like furniture and department stores, is a good way to start.<br>
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Building and establishing good credit should start as soon as you’re an adult. Starting out small with credit cards from retailers, like furniture and department stores, is a good way to start. You can then take another types of debt like automobile loans, mortgages, and student loans. Your goal should be to have a credit report with the following attributes: A clean credit history for 5 or more years Three or more open revolving credit accounts A debt ratio below 30% 700+ credit score