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  • Organize Your Detail – It Will Save You Both Time and Money

    Using a co-signer on a credit product, such as a loan, and then making all your payments on time, every time is going to do wonders for your credit score. Both FICO and VantageScore heavily weigh payment history, as well as how much of your credit you are using. However, because you are under 21-years-old, you must be able to show that you have the independent ability to make repayments on the card. Make those payments on time, and you’ll have a slew of positive marks in your credit history that can build upon themselves. However, it’s easier to get approved for this type of credit card when you have a thin file. Also,