One of the best things you can do for yourself these days is to obtain an apple card credit report. What is an apple card? Well, it is a credit card issued by American Express that you can use to make purchases online or at a local store. These cards are tied to your FICO score and are very similar to Visa and Mastercard, but they have better annual percentage rates.
The first thing you will need to do is to obtain a copy of your credit report from each of the three (Equifax, Trans Union and Experian) credit reporting agencies. The internet is a great place to begin your search. You can find a website that will let you fill out a request for a free credit report and then wait for it to be delivered to your email inbox. Or, you can call a toll free number that will give you access to the same information. Using an online service can be much more convenient for you because it gives you the opportunity to compare your report easily from the comfort of your own home.
Next, check to see if you have any outstanding debts that you need to pay off. If so, pay them off as soon as possible. This will establish a good history of on time payments and also increase your credit score. This doesn't mean that you don't need to make payments on something that isn't your fault. You just need to pay it off on time.
Finally, check over your current credit report for errors. Sometime people make a mistake when adding items to their credit report. In these cases, they must immediately dispute the item and the bureau needs to verify the information. This process can take a few weeks. It is best to do this as soon as you notice an error so it doesn't affect your credit score.
Once you are ready to start using your apple card, you can begin building a solid history. Make sure you pay all of your bills on time. Don't open new accounts unless you absolutely have to. This will build a solid history of making payments on time and in full.
If you follow the above advice, your apple card will quickly be as efficient as your credit card that has a traditional credit card and a high credit score. However, keep in mind that not everyone is approved for an apple card. Generally speaking, the cards are more often offered to those with excellent credit ratings. However, if you have an excellent credit score, you may get denied. In these cases, you should start working to improve . . . . . . your score before you apply for your card.