Building Credit that is trustworthy of loans and large purchases is essential to a sound financial future.

Below is a series of steps and strategies that if followed precisely, posses the ability to bring any credit score up dramatically within about 18 months. Give or or take depending on how diligently you choose to work at it, your credit score can go from D- up to an A very quickly.

# 1. obtain a Copy of your credit report from each of the three bureaus - Equifax - Trasn-Union and Experian

# 2. Dispute any wrongs, such as things that are over 7 years old, inaccurate reporting of dates , name, addresses. Anything at all that is not correct.

How to Challenge your credit report can be obtained at each of the credit bureaus websites.

In about 5 weeks you will receive an updated credit report usually with some things removed.

If not all are removed, you can choose to try disputing one more time. sometimes this helps and sometimes it does not, however it can be worth the effort if it does.

# 3. While waiting for your updated credit report open 2 checking accounts with about $50.00 in each at two different institutions and one savings account at a third.

Use credit unions if possible. Banks are less desirable and tend to slow the process down a bit. However, if utilized properly they can work well when applying this strategy.

It will benefit you greatly to locate the banks with totally free checking and to use promotions, (like the bank will give you 50 dollars if you open an account and keep it open for 90 days). Shop around, you'll be surprised at the deals offered by various banks these days!

Most can be found online just click this Google Search for bank promotions and see what comes up. Think of a bank as a tool and use it as such.

# 4 - Organize your paperwork for each account. Use the first account for bills and other obligations. The second account, for spendable cash and the savings account well, for savings, even if it only has $5.00 in it.

# 5 Begin to establish rapport with these three banks. Visit them frequently With your new checkbooks and bank cards in hand. Appear organized and confident. A good strategy would be a minimum of three transactions per week, per bank,even if its to only deposit $10.00.

A good strategy for establishing rapport with anyone really, (it doesn't have to be a banker necessarily) is to remember this one thing...

"People love to talk about themselves!"

Remember that, become a very good listener and this strategy will take you far.

Ask the bank teller questions about themselves or simply start a conversation about the weather. Within no time the person will begin talking about themselves. Become interested and ask questions, the more you ask the more they talk.

Get to know the bank staff, one small transaction at a time. Pretty soon the bank manager will be waving at you and calling you by name.

Why is this strategy important?

Bankers can do many things they do not bother to tell the average customer. Once you have built up a good rapport with your banking staff and bank manager you'll be surprised at the things  they are wiling to do to help you in any situation. In short, they've got your back. Weather it be to purchase a house, or that your in dire financial need. In essence, more credit line possibilities.

# 6 While all of this waiting for paperwork and opening accounts is going on it is also important to establish a secured credit card.

If you don't happen to have the x-tra 200 deposit lying around for a secured card you can always buy some credit.

Buying into credit works just as quickly as a secured credit card, the two function in the exact same way .

Yep, buy it. there are plenty of credit card companies for people with bad or non existent credit. For about $195.00 one time set up fee on average + some other small fees these banks will give you a Visa or MasterCard with about 50 worth of usable credit, generally on a 300 credit line.

Doesn't sound too good? Well, for the service your getting it really is a small price to pay. For $250.00 you can go pay a service who takes your money claims to be reputable and able to consolidate your debt and fix your credit only to return poor results and allot of headaches. For the same price you can do it yourself and end up with the result your looking for without a lot of headaches.

The convenience is, these companies put the $250 worth of fees on your card. The downfall is, with out using your card you have racked yourself up a $15 .00 minimum payment per month. Not a huge bill though, simply pay $20.00 per month for three or four months and then pay it off . you can find these cards from my Google Search. By the end of 12 months, close the account. You have stayed under the max credit limit, had the card open for one year and made all of your payments on time. You will now begin to recieve invitations from other cards that are preapproved with way better rates and less fees. In essence your buying credit started for around 250 bucks paid out at 15 to 20 bucks a month . Not a huge bill and they reported to the three credit bureaus every three months.

# 7 Over the next 6 months time establish a good relationship with at least 2 credit card companies.

If you obtain credit for 2 cards over the next couple of months. Use the minimum payment worth of credit each month.

For example, you have 2 cards, spend the minimum $15.00 on each card on purchases of somethnig you would normally purchase out of your spendable money account. Make the 15 dollar payment to each with your debit card from that spendable checking account when the bills come in. it dosn't take any money out of your pocket this way it jsimply transfers the transactions to your credit cards and helps to further up your credit score - Yes, the process takes about 18 months, but is well worth the effort.

At the end of about eighteen months you will have a credit score worthy of loans, banks loans, business lines of credit, home mortgage credit and whole lot more! Along with this , you will also have three bankers on your side, each ready and willing to work with you on practicaly any transaction you would like to make from here.

Now would be the time to start cutting up some cards if you have obtained too many. Keep 2 of the lowest interest, highest credit lines open and close the rest.

From what you have learned, the rest is up to you.