How do I build credit?

This is a great question because while removing or correcting negative accounts is most important, if there is nothing open and in good standing on your credit report, your scores will probably not be above 600. The two most effective ways to build credit are: 1. Open up a secured credit card where you give a $200+ security deposit as collateral. 2. Add an authorized user seasoned Tradeline, where you get the primary cardholders years of positive payment history as well as th