{"id":1067,"date":"2020-09-18T08:45:25","date_gmt":"2020-09-18T08:45:25","guid":{"rendered":"http:\/\/jomsettle.com\/?p=1067"},"modified":"2022-05-10T08:19:00","modified_gmt":"2022-05-10T08:19:00","slug":"4-easy-ways-to-build-good-credit-score","status":"publish","type":"post","link":"https:\/\/jomsettle.com\/ms\/4-easy-ways-to-build-good-credit-score\/","title":{"rendered":"4 EASY WAYS TO BUILD GOOD CREDIT SCORE"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1067\" class=\"elementor elementor-1067\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41d00270 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"41d00270\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d75fa70\" data-id=\"d75fa70\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67b7a4cf elementor-widget elementor-widget-image\" data-id=\"67b7a4cf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1.jpg\" class=\"attachment-full size-full wp-image-9616\" alt=\"\" srcset=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1.jpg 1920w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1-300x169.jpg 300w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1-1024x576.jpg 1024w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1-768x432.jpg 768w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1-1536x864.jpg 1536w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1-18x10.jpg 18w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1-260x146.jpg 260w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1-50x28.jpg 50w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-1920x1080-1-133x75.jpg 133w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-464c6dd2 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"464c6dd2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2ded498f\" data-id=\"2ded498f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-265f4d93 elementor-widget elementor-widget-post-info\" data-id=\"265f4d93\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24ea30cc elementor-widget elementor-widget-theme-page-title\" data-id=\"24ea30cc\" data-element_type=\"widget\" data-widget_type=\"theme-page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-220be98d elementor-widget elementor-widget-share-buttons\" data-id=\"220be98d\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60d9bd9b elementor-widget elementor-widget-spacer\" data-id=\"60d9bd9b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46397100 elementor-widget elementor-widget-text-editor\" data-id=\"46397100\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All this while you might be thinking that having no credit history helps you build credit. Do you realize that without having any credit history, it is difficult to obtain any loan or even a credit card? To make your credit history, you have to start from scratch; it does take time, and some patience in this process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d47f249 elementor-widget elementor-widget-heading\" data-id=\"2d47f249\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Build Credit with a Credit Card<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38f94666 elementor-widget elementor-widget-text-editor\" data-id=\"38f94666\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit cards offer revolving lines of credit to cardholders, which means they can pay balances over time. A lot of youngsters today are experiencing debt problems with a credit card due to the misused. However, little do they know that it is a useful credit tool that can help them build better credit if they use it wisely. Here are some steps for credit gearing up with credit card:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ccc4551 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccc4551\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2e8ff3f\" data-id=\"2e8ff3f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-008f47c elementor-widget elementor-widget-text-editor\" data-id=\"008f47c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Get a Secured Credit Card<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46806ad elementor-widget elementor-widget-text-editor\" data-id=\"46806ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A secured Credit Card is designed for people with no credit or poor credit. A secured credit card can help you establish or re-establish your credit. Since payments are included in your credit report, paying on time and managing your balance will improve your credit score. After building your credit score, you may be able to qualify for a regular credit card.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8b27f7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b27f7d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-cce3a25\" data-id=\"cce3a25\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aec2d5d elementor-widget elementor-widget-text-editor\" data-id=\"aec2d5d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Create frequent activities on the Credit Card<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-447d024 elementor-widget elementor-widget-text-editor\" data-id=\"447d024\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is to give yourself a credit score for the last six months. We are not asking you to shop lavishly, which can cause even more debt. However, a simple frequent transaction such as paying your monthly utility bills can help you get a good credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f970a50 elementor-widget elementor-widget-heading\" data-id=\"f970a50\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Build Credit with a Credit Card<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a58c43 elementor-widget elementor-widget-text-editor\" data-id=\"0a58c43\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although we have shared the possible steps for gearing up your credit with you, some essential points can help you build good credit:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-382815f elementor-widget elementor-widget-image\" data-id=\"382815f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram.jpg\" class=\"attachment-full size-full wp-image-9619\" alt=\"\" srcset=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram.jpg 1920w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-300x169.jpg 300w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-1024x576.jpg 1024w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-768x432.jpg 768w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-1536x864.jpg 1536w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-18x10.jpg 18w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-260x146.jpg 260w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-50x28.jpg 50w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-133x75.jpg 133w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-abcf23a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abcf23a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6f6b88d\" data-id=\"6f6b88d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c269ff elementor-widget elementor-widget-text-editor\" data-id=\"3c269ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Pay on Time<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba4021d elementor-widget elementor-widget-text-editor\" data-id=\"ba4021d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It is vital to settle your payment on time on all of your commitments, including loan repayment and paying bills. Any payment delay will cost you an additional charge to your loan interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b2fb644 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b2fb644\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7187540\" data-id=\"7187540\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-071ca58 elementor-widget elementor-widget-text-editor\" data-id=\"071ca58\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Settle the Full Repayment Amount<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18c352d elementor-widget elementor-widget-text-editor\" data-id=\"18c352d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There will be a time where you are short in cash and need to pay at the minimum amount you can, but try to work out on extra payment for the following month.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d2bf503 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d2bf503\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e84de8d\" data-id=\"e84de8d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-92aac95 elementor-widget elementor-widget-text-editor\" data-id=\"92aac95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Avoid Overspending<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94b5fdd elementor-widget elementor-widget-text-editor\" data-id=\"94b5fdd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Avoid overspending your credit card because you may not afford to repay the credits, thus end up suffering a negative balance from your monthly salary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ef049fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef049fc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-590d35b\" data-id=\"590d35b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f46e2a elementor-widget elementor-widget-text-editor\" data-id=\"1f46e2a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Track Your Record<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f765ab6 elementor-widget elementor-widget-text-editor\" data-id=\"f765ab6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Make it a habit to check your credit reports and scoring at least every half-yearly. It will help you in keeping a good credit track record and scoring.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8d72d elementor-widget elementor-widget-text-editor\" data-id=\"2a8d72d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Visit our website,\u00a0<span style=\"text-decoration: underline;\"><a href=\"https:\/\/jomsettle.com\/ms\/\"><span style=\"color: #f05338; text-decoration: underline;\">jomSETTLE<\/span><\/a><\/span>\u00a0to find out how your credit card can be useful in managing your monthly settlement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41b0a938 elementor-widget elementor-widget-spacer\" data-id=\"41b0a938\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4d4ce25c\" data-id=\"4d4ce25c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-573fdf19 elementor-widget elementor-widget-spacer\" data-id=\"573fdf19\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6214f25 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6214f25\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-302ecd1\" data-id=\"302ecd1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a66bc1 elementor-widget elementor-widget-spacer\" data-id=\"5a66bc1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a435679 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"a435679\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2021\/10\/Blog-Logo.svg\" class=\"attachment-full size-full wp-image-6532\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a432e2b elementor-widget elementor-widget-heading\" data-id=\"a432e2b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let's Stay in Touch<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38ef7c7 elementor-widget elementor-widget-text-editor\" data-id=\"38ef7c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get updates on our latest articles<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1482291 elementor-widget elementor-widget-form\" data-id=\"1482291\" data-element_type=\"widget\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad9520 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2ad9520\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ceb282 elementor-widget elementor-widget-share-buttons\" data-id=\"2ceb282\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f6ed29 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8f6ed29\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4ce66ba\" data-id=\"4ce66ba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a525d9 elementor-widget elementor-widget-spacer\" data-id=\"0a525d9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-820ddb6 elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"820ddb6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fea4af8\" data-id=\"fea4af8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7bfff3d0 elementor-widget elementor-widget-heading\" data-id=\"7bfff3d0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 30px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 14px;margin-top: 14px\">You May Also Like<\/p>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6df82edd elementor-widget elementor-widget-posts\" data-id=\"6df82edd\" data-element_type=\"widget\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-261634c0 elementor-widget elementor-widget-spacer\" data-id=\"261634c0\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c66036 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c66036\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-daed9b8\" data-id=\"daed9b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d6c89f elementor-widget elementor-widget-post-info\" data-id=\"2d6c89f\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1aebc5d elementor-widget elementor-widget-theme-page-title\" data-id=\"1aebc5d\" data-element_type=\"widget\" data-widget_type=\"theme-page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9f00435 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9f00435\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-c8a6629\" data-id=\"c8a6629\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-015d3ea elementor-widget elementor-widget-share-buttons\" data-id=\"015d3ea\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-30a07ff\" data-id=\"30a07ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f1e4e9 elementor-widget elementor-widget-share-buttons\" data-id=\"7f1e4e9\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-0239a49\" data-id=\"0239a49\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49b4206 elementor-widget elementor-widget-share-buttons\" data-id=\"49b4206\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-68eb6a4\" data-id=\"68eb6a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49d96ed elementor-widget elementor-widget-share-buttons\" data-id=\"49d96ed\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c05dc1c elementor-widget elementor-widget-spacer\" data-id=\"c05dc1c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99d00a2 elementor-widget elementor-widget-text-editor\" data-id=\"99d00a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All this while you might be thinking that having no credit history helps you build credit. Do you realize that without having any credit history, it is difficult to obtain any loan or even a credit card? To make your credit history, you have to start from scratch; it does take time, and some patience in this process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b7f92e elementor-widget elementor-widget-heading\" data-id=\"2b7f92e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Build Credit with a Credit Card<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d8e41f elementor-widget elementor-widget-text-editor\" data-id=\"4d8e41f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit cards offer revolving lines of credit to cardholders, which means they can pay balances over time. A lot of youngsters today are experiencing debt problems with a credit card due to the misused. However, little do they know that it is a useful credit tool that can help them build better credit if they use it wisely. Here are some steps for credit gearing up with credit card:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-386fce3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"386fce3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3cad774\" data-id=\"3cad774\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5388baa elementor-widget elementor-widget-text-editor\" data-id=\"5388baa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Get a Secured Credit Card<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c292615 elementor-widget elementor-widget-text-editor\" data-id=\"c292615\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-weight: 500; line-height: 1.4em !important;\">A secured Credit Card is designed for people with no credit or poor credit. A secured credit card can help you establish or re-establish your credit. Since payments are included in your credit report, paying on time and managing your balance will improve your credit score. After building your credit score, you may be able to qualify for a regular credit card.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2e8f371 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e8f371\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2cba156\" data-id=\"2cba156\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-122ba22 elementor-widget elementor-widget-text-editor\" data-id=\"122ba22\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Create frequent activities on the Credit Card<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78e3ae8 elementor-widget elementor-widget-text-editor\" data-id=\"78e3ae8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-weight: 500; line-height: 1.4em !important;\">This is to give yourself a credit score for the last six months. We are not asking you to shop lavishly, which can cause even more debt. However, a simple frequent transaction such as paying your monthly utility bills can help you get a good credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f7dded elementor-widget elementor-widget-heading\" data-id=\"7f7dded\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Best Practices<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d54a4ec elementor-widget elementor-widget-text-editor\" data-id=\"d54a4ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although we have shared the possible steps for gearing up your credit with you, some essential points can help you build good credit:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95afadf elementor-widget elementor-widget-image\" data-id=\"95afadf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram.jpg\" class=\"attachment-full size-full wp-image-9619\" alt=\"\" srcset=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram.jpg 1920w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-300x169.jpg 300w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-1024x576.jpg 1024w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-768x432.jpg 768w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-1536x864.jpg 1536w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-18x10.jpg 18w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-260x146.jpg 260w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-50x28.jpg 50w, https:\/\/jomsettle.com\/wp-content\/uploads\/2020\/09\/How-to-Build-Credit-Score-diagram-133x75.jpg 133w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d4ba007 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4ba007\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f0afab5\" data-id=\"f0afab5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-014e724 elementor-widget elementor-widget-text-editor\" data-id=\"014e724\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Pay on Time<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b661408 elementor-widget elementor-widget-text-editor\" data-id=\"b661408\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-weight: 500; line-height: 1.4em !important;\">It is vital to settle your payment on time on all of your commitments, including loan repayment and paying bills. Any payment delay will cost you an additional charge to your loan interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-57c4c23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57c4c23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-61892ce\" data-id=\"61892ce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4be72ef elementor-widget elementor-widget-text-editor\" data-id=\"4be72ef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Settle the Full Repayment Amount<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ecd7a4 elementor-widget elementor-widget-text-editor\" data-id=\"0ecd7a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-weight: 500; line-height: 1.4em !important;\">There will be a time where you are short in cash and need to pay at the minimum amount you can, but try to work out on extra payment for the following month.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6801a47 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6801a47\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5fdd9c8\" data-id=\"5fdd9c8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f172238 elementor-widget elementor-widget-text-editor\" data-id=\"f172238\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Avoid Overspending<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-434161d elementor-widget elementor-widget-text-editor\" data-id=\"434161d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-weight: 500; line-height: 1.4em !important;\">Avoid overspending your credit card because you may not afford to repay the credits, thus end up suffering a negative balance from your monthly salary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4ba3e2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ba3e2c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ac537a0\" data-id=\"ac537a0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c6f76f0 elementor-widget elementor-widget-text-editor\" data-id=\"c6f76f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong> Track Your Record<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f3031e elementor-widget elementor-widget-text-editor\" data-id=\"9f3031e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-weight: 500; line-height: 1.4em !important;\">Make it a habit to check your credit reports and scoring at least every half-yearly. It will help you in keeping a good credit track record and scoring.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f0318c elementor-widget elementor-widget-text-editor\" data-id=\"9f0318c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Visit our website,\u00a0<span style=\"text-decoration: underline; color: #f05338;\"><a style=\"color: #f05338; text-decoration: underline;\" href=\"http:\/\/jomsettle.com\/ms\/\">jomSETTLE<\/a><\/span>\u00a0to find out how your credit card can be useful in managing your monthly settlement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73a0a3c elementor-widget elementor-widget-spacer\" data-id=\"73a0a3c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-067e6bc elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"067e6bc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9d2e3aa\" data-id=\"9d2e3aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dd5cf8 elementor-widget elementor-widget-spacer\" data-id=\"5dd5cf8\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70e67f6 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"70e67f6\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2021\/10\/Blog-Logo.svg\" class=\"attachment-large size-large wp-image-6532\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51a7caf elementor-widget elementor-widget-heading\" data-id=\"51a7caf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 15px\">Let's Stay in Touch<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f05951a elementor-widget elementor-widget-text-editor\" data-id=\"f05951a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get updates on our latest article.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75885fa elementor-widget elementor-widget-form\" data-id=\"75885fa\" data-element_type=\"widget\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc49d87 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bc49d87\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1d459da elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1d459da\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-a2e11a0\" data-id=\"a2e11a0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-45cc5ff\" data-id=\"45cc5ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88ae33c elementor-widget elementor-widget-share-buttons\" data-id=\"88ae33c\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-3c02177\" data-id=\"3c02177\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a8481e3 elementor-widget elementor-widget-share-buttons\" data-id=\"a8481e3\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-83911a2\" data-id=\"83911a2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f9ef7da elementor-widget elementor-widget-share-buttons\" data-id=\"f9ef7da\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-383fe28\" data-id=\"383fe28\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e119a64 elementor-widget elementor-widget-share-buttons\" data-id=\"e119a64\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-86ec26b\" data-id=\"86ec26b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-995529f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"995529f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-11ee1c7e elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11ee1c7e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container 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Do you realize that without having any credit history, it is difficult to obtain any loan or even a credit card? To make your credit history, <\/p>","protected":false},"author":3,"featured_media":9615,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"image","meta":{"footnotes":""},"categories":[67,62,63],"tags":[],"class_list":["post-1067","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-latest-article","category-credit-card","category-jomsettle-guide","post_format-post-format-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4 EASY WAYS TO BUILD GOOD CREDIT SCORE | jomSETTLE\u2122<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jomsettle.com\/ms\/4-easy-ways-to-build-good-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 EASY WAYS TO BUILD GOOD CREDIT SCORE | jomSETTLE\u2122\" \/>\n<meta property=\"og:description\" content=\"All this while you might be thinking that having no credit history helps you build credit. 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