2.  Think Credit Reports is a unique site that offers credit
data checks for its users. Established in Valencia,
California, Think Credit Reports allows members to
check their credit data for all three major credit
bureaus: Experian, Equifax and TransUnion. It’s a
useful service, as credit reports differ between each
bureau. The site allows users to view their credit score
at any time and keep track of whether their credit
needs to be improved.
Good credit is an asset to those who may want to
take out loans for a house, to pay for an education,
or for securing a steady job. In order to build good
credit, it's important to use your money responsibly.

3.  Here are three ways to build a good credit
score, whether you're starting from scratch
or looking to improve your current number:
1. Avoid maxing out your credit cards. It is
best to stay below 50 percent of your credit
limit, and ideal to stay below 30 percent.
You want to ensure you will be able to pay
back what you've borrowed, and on time.

4.  2. Make monthly payments on time. Late
payments will lower your credit score, and
the amount you owe will build up quickly. If
you pay on time, you can maintain
manageable debt while building your
credit.
3. Only borrow what you can afford to pay
off. Not only will you avoid excessive debt,
but future lenders and creditors will
acknowledge that you have used your
credit responsibly when they see you've
only charged what you can afford.