NEW YORK — Ashley Moore never planned on moving back in with her parents.
Nearly a year after graduating from college, Moore, 22, also never expected to still be waking up in her old twin bed every morning.
“It’s been difficult because not only was I on my own, I was really far away,” explains Moore, a St. Louis, Mo., native who graduated from Pace University in New York City. At one point, she spent an entire year away. “What I miss most is my freedom and having my own space.”
We spoke yesterday via Skype. You can see Moore describe what it’s been like to move back home:
Building credit from ground up is not an easy task. But with a little education, discipline, and direction, you can build triple A credit within a two-year duration. When you start building from scratch, it could be challenging because you do not have a history that demonstrates your payment pattern. If you are rebuilding after foreclosure or bankruptcy, you will face an uphill battle because of your not so perfect history. In this article, I will disclose to you three proven strategies that you can use to start the building or repairing process.
Building credit strategy 1 – Using Retail Store Cards
This method is good if you are building for the first time. Retail cards like those at Macy’s and JCPenny’s are easier to get than a Visa or Master card. The reason the retail cards are easier to get is because they grant lower limits and the card is tied to merchandise in their store only. Apply for a card and then make your payments on time for six months. Pull your bureau report and check your payment history.
