0 to 700 CREDIT SCORE at 18 | How to Build Your Credit

Six months after I turned 18, I was able to get my credit score past 700. This is how.

2. Pay your balance in full before the due date. Set up automatic payments so you don't miss any payments.

3. Keep your credit utilization low. It's recommended you use no more than 10% of your overall credit limit. But the lower, the better. With that said, I kept my utilization below 1-2%, and that made a bigger difference when my score was calculated.

You don't necessarily start with a 0 credit score when you don't have any credit. It's nonexistent. Most of the time, your credit score develops six months after opening your first ever line of credit. My score was around 680 at the time.

After eight months of using my secured card while following these rules, Discover told me they were going to graduate my card to an unsecured card, increase my credit limit (by A LOT) and return my security deposit. Coincidentally, my score broke through 700 for the first time around this time.

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[Rickey_]

Coming back to this video a year later and I hav a 760 credit score with a 10, 000 max limit don’t sleep on this guide 🙏🤞

[rickeyknighten]

I’m turning 19 in a month and this is one of the most informative and helpful peices of knowledge I’ve come across

[yamajaechols]

Got my first credit card a few months before turning 20, did this method along with a couple other things… it’s been about 6 months and I’m at a 700 credit score 🥰!! Otw to the dealership literally as I’m typing this !

[jaxoncaviness]

thank you very much! i’m 17 and this helped very much. this should definitely have more likes than it does right now

[ashleyargueta]

I just turned 18. Never was informed about the importance of building credit. 😐. But thank you for this video i will start with a discovery card thank you 🙏

[QuietVillain]

Yo im 29 its never too late to learn the right way.

[AyoseanTv]

Did your method and got a 716 credit score at 19 💪

[killoskan]

Watched this guide before I got my first card, followed everything perfectly. I’ve had my discover account for 7 months and now my score is 735. Don’t sleep on this video man.

[aliellalee]

1-2% is insanely low. The sweet spot is 15-30%. If ur credit card limit is 1000$, spend 150-300$. You could also open 2 credit cards with 1000$ each and now 15-30% utilization rate is 300-600 a month.

I suggest putting 300-600 aside every month and just use ur credit card instead of ur debit to build credit and just pay off the balance with the 3-600 u put aside. U MUST PAY OFF IN FULL, TURN ON AUTO PAYMENTS .

[teenagestacker]

Glad to see a video like this out there. I'm 20, got my first card when I was 18 by talking to a banker directly, which got me past the student card stage and straight to a normal no fee card. Always talk face to face it really does make a difference especially in smaller towns. My credit went up fast and I'm sitting at a really good score. I should mention that I had a part time job as a lifeguard as well with decent income for my age since I worked more than most during school, which also helped

[presnaz]

Hi! So for example, I have a 1000 cc limit, use 10% of it so $100 and then PAY BEFORE the deadline the $90 and then leave 10$ to PAY ON THE DEADLINE? to make it look like it was 1% uliization?

[RamandChevyOwner]

I’m 17 and I want to buy my dream truck before i graduate next school year.Ive been wanting my dream truck or a truck since I was 14.Thanks for your help.

[SuperiorBoDee]

Appreciate you my guy, im 19 with twins on the way and keep getting denied for places to stay due to no credit, I’ll update yall in a year.💪🏽💯

[lian]

So If I have 300 limit spend 200 but before my statement cycle closes I pay 185 to leave me with $15 debt which would represent 5% utilization I pay those 15 dollars after I get the monthly statement right?

[Pretty_Maii]

Basically, get the card and put something inexpensive or make sure your card has a low balance when the billing cycle comes. After the billing cycle ends the due date to pay you card off is in 21 days, you can pay it off in full then. I think😂

[tyleranderson]

This helped a lot ngl I’m 16 and I want to start my clothing brand and get car and move out at 18 so this is helping me understand so when the time comes it will be beyond easy for me to know and build my credit

[nixiety]

just turned 18 today and this video helped immensely, thank you

[jayfoster]

thank you im fresh 18 and knew nothing abt credit . i didn't understand how i can build credit until this video thank you

[LennonTedesco]

great informative video man! i just turned 18 on sept 21st and i applied for the discover it secured a day later. lets see where ill be at in 6 months!

[chafie]

I'm 18 in 9 months and I appreciate your help so much! This was very informative.