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Adults who don't have traditional credit accounts likely don't have credit reports.And minors likely won't have a credit report unless they're authorized users on an adult's credit card.When used correctly, credit cards can dramatically help your financial life.A great score, for instance, means you’ll pay less when it comes to borrowing money for a house or a car.Scores are not on the reports you get direct from the credit bureaus.But when you sign up with Nerd Wallet you get your free Trans Union Vantage Score 3.0 credit score along with the access to your Trans Union credit report information.Don’t Just Pick Any Card Your first step is to figure out what you want your credit card to do for you. Consult MONEY’s Best Credit Cards rankings to understand what options are out there and the variety of roles cards can play in your wallet.Do Check Your Credit History Unsurprisingly, credit cards with premier terms and rewards are targeted to those with the best credit.
No, reports just list your credit history with no interpretation.Check the things that should be there to make sure they're accurate: names you've used, addresses you’ve lived at, your Social Security number and birthdate.Then, look for things that do not belong there: accounts you didn't open; payments marked late or accounts marked delinquent when you paid on time; negative records like judgments showing up beyond the number of years they can be reported.First time borrowers should go after cards designed to build up their credit histories, such as the Northwest FCU First Card.A recent study by Nerd Wallet found that millennials with low credit scores apply, and are rejected, for more cards than young borrowers with better scores. Do Use the Right Card at the Right Place and Time You need a certain amount of constant vigilance to take advantage of a rewards card.