How to Build Up Your Credit Score

Unless you are made of money, you will need to have a good credit rating at some point or another to finance a car, house, etc. Here are a few tips on how to raise your credit rating to a good level so you'll have longer finance times and lower interest rates!
Instructions
Step 1
Starting out, you will have credit score of 0. This means to get a credit card, you will more than likely need a co-signer. A parent or close friend with good credit would be an ideal choice for a co-signer. Don't forget to make payments though, as this will hurt both your credit ratings and defeat your purpose.
Step 2
Try to buy something at least once a month with your credit card and pay it off. This will raise your credit score and avoid the high interest rates most credit cards carry with them.
Step 3
You can always check your current credit rating using a site such as FreeCreditReport.com . However, this service will begin to charge you each month, so cancel it promptly if you wish to avoid the fees.
Step 4
Take advantage of sales and promotions, such as Best Buy's no interest for X amount of months, depending on the price of the item you're buying. This means you can draw out your payments on the product over the 0% interest term and raise your credit score while paying a small monthly balance.
Step 5
All credit card companies have incentives, such as points or cash back for buying certain items, such as gas or groceries. Utilize these credit card benefits as much as you can.