How do I build credit?

I have tried to get a credit card and cant get approved, even for the ones for people with bad credit. I have two chargeoffs from almost 3 years, I know I need to pay back. I am still paying off student loans, and have been kept current for over a year. I do have a checking account and savings that stary current. But I have been moving about every 6 months due to unsatifactory homes. Which is why im giving up on apartments and moving into a house. I've had my cell phone for 3 years, but unless i miss a payment for more then 30 days it doesnt show up(it only shows up for bad credit.) Any suggestions? Advice?How do I build credit?
1. Make payments on time.

2.Stay at one address (quit moving)

3. Pay off current debts (improve debt to income ration)

4. Establish available credit lines that you do not use.

5. Challenge ';bad'; credit on your credit report.

6. Do not have your credit checked too often.

7. Pay morgtage on time and consumer lines of credit. They are the most important.

8. cell phone payments aren't so important as credit cards, mortgages, in store credits, etc.



To start building credit get a credit card- never max it out only use 1/3rd of the available credit line and pay on time.How do I build credit?
You might need someone to sign for you, either a freind or family member
Try to get a gas card or apply for citi bank credit card
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Start out with a secured credit card. Anybody can qualify.



Make sure it reports monthly to the credit bureaus and that it will convert to an unsecured card when your credit improves.



Use only part of your credit line and make sure you are never late with your payments.



It would also be good if you take care of the charge-offs. They will remain on your report for over seven years. Most mortgage lenders will require you to pay them off. So call the creditors and try to settle.



In about a year or so, you should have a fairly decent credit score.
Just pay as much as you can to the charge off. As soon as you start that, your credit will start to improve. Send 5.00 a month. Just something. It will show that you are trying, and then when they report to your credit, the points will start to build because your making payments. See the credit card companys see that you owe 250.00 and your not paying it.....so naturally they dont want to give you 500.00 and get screwed. SO if you show some good faith payments, things will look up.
Go to a store like maybe a furniture store and purchase some thing for around $200 and ask if you could open a charge account with them. If they allow you to do that make sure you pay them off timely. After you are half way to having them paid off try for a master card or visa at the bank that you have your checking account with because they know how you use that account.

I started out that way with a clothing store and now I have a $15,000 credit line with Master Card.
Follow these simple guidelines to help restore and improve your credit score.



First, make sure all the information on your credit report is accurate.



Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.



Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.



Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.



Repairing your credit and improving your credit score is a slow process that takes time.
Credit repair; Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters攖his is the key?.people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.