Good credit is a very valuable thing to have. It takes time to establish good credit, so the earlier you start building your credit history the better.  Take action now. 

Good credit is a positive record of paying off loans and making timely payments.  It is so important to establish good credit early.  It can help you buy a home, rent an apartment, borrow money, get a job, finance a car and more.

Having good credit allows you to borrow money or obtain goods by paying little or no money at the time of purchase. However, you promise to pay the original cost along with interest over a period of time. 

If you have good credit, you may be able to avoid cash deposits when you establish accounts with utility companies. Potential employers often use credit to check job candidates' backgrounds and also use it as an indicator of an applicant's financial honesty and personal integrity.

Make establishing good credit a top priority. Do this by using credit responsibly. Make sure to always pay your bills on time and only borrow amounts you can comfortably repay.

Periodically contact the major credit reporting companies to review your file and make certain the information is correct.  For a small fee, you can obtain a copy of your credit report at any time.  The three major credit bureaus are:

Equifax  (800) 685-1111
Experian  (888) 397-3742
TransUnion  (800) 916-8800