The thing with credit is you need it to build it. Credit scores are factored by taking into account how regularly you pay your bills, how much debt you hold in total, the length of your history, newly opened accounts, and different types of credit you have. If you have no accounts, then you have.
Do you need to raise your credit score? Maybe you want to qualify for a personal loan, car loan or even a home mortgage. Different purchases require different credit scores, so your goal may depend on what you want to qualify for. A credit score can range from 300 to 850. Generally speaking, you would.