Who knows how to build expedite my credit building.

[Nicholas Rickman]

I was encarcerated for nearly a decade. My wife has amazeing credit. I have zero credit. I opened a secured line and am useing that. I pay it off so to avoid interest. I bought a truck but we had to put it in my wife's name. I make pretty good money. I want to build credit faster.

[Austin Hawthorn]

@Nicholas Rickman

This is advice I got from a local Mortgage broker. She told me for the best rates and quickest way I should build is to:

•Obviously use your credit card often and pay large amounts when you pay.

•Keep the debt on your CC no more than 40 percent of your CC Limit

•Raise your limit to 3k to show you are a moderate risk to lend to. 5k shows you are very low risk.

• "This idea might make you cringe but apply for a second credit card . Only use it like once a month, 15 dollars and pay it off." A lender will see you have more than one source of credit and that will embellish the risk factor.