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You
Credit Repair
Tip of the Month
Don't have a long credit history, learn how to start getting
one...
One factor that goes into your credit score
is your length of credit history. This factor, we
feel, is highly biased against younger people.
Obviously, if you are 21 years old, you could only
have had a credit history of about 3 years.
Here's a trick. Contact an older person,
someone like a parent, with good credit and a long
credit history. Ask them to put you as an
"Authorized User" on one of their credit cards that
they have. The older the card the better. Tell them
they do not need to actually give you the card, or
give you access to the account, but just add you as
an authorized user. By adding you as an authorized
user their history, for that card, will show up on
your credit report. It will look like you have had
that credit card for as long as they have. By doing
this you have just lengthened your credit history!
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