/biz/ - Business & Finance

>>12677008
Ok hodl the fukc up first of all
>having debt
but then nigga is yew bein subzerious right now?
>having STUDENT LOAN DEBT
I seriously hope any yung /biz/lets in here apply for pell grants and nolife the shit out of school so they can get free rides and internships.

Don't have debt at most get a credit card and always keep it paid off just so your credit score hovers around the 750 numbers.

>>10923598
If you are as frugal and dedicated to your budget as you think you could get a cheap ass babies first credit card from discover they accept anyone.

I got one at new year and used it only for groceries until my credit was hovering at 700 then I bumped up my limit to sub 2K. Now I take advantage of the cash back reward to buy luxury items when I save up enough. I pay all my utilities in credit and then pay off out of my checking account like I normally would.

When I buy something frivolous like a videogame it is now "free" since I got the cash back from purchases I had made. They also have seasonal specials like 5% back on certain types of purchases which I then adjust my budget to take advantage of like buying from amazon, grocery stores, restaurants, and gas.

So long as you budget to never have any outstanding fees and budget to ensure it's ALWAYS paid off before the date you will find yourself building some nice ass credit. By this time next year if you are as financially responsible as you should be you will have a credit score close to 800 and at the very least around 650-720.