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You can’t have a strong credit history or good credit score without having any credit history at all. And while this is a common problem for young adults and those just entering the work force, it can also be problematic for women.
In some cases, women can be both the primary spender and the sole bill-payer for their families, yet have almost no credit record of their financial responsibilities independent of their spouse. Credit history is reported separately for each debt holder, and if you are listed as an additional cardholder rather than an account owner, all of the hard work you’re putting into paying your household’s bills on time may not show up on your history. And whether you’re just out of college, newly married, long married, divorced or widowed – you need your own solid credit history.
Without a credit history, lenders are unable to evaluate your credit worthiness. How will they know that you’ll pay back the loan on time if there’s no history showing that you’ve paid loans on time in the past? If you are unsure of your credit history, it’s time to do some research. Use the following steps to help determine if you have built a strong credit history:
Learn more about the importance of credit scores and credit reports with our free eBook, Getting the Credit You Deserve.
This is an updated version of an article that originally ran in January 2012.
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