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No credit history? Here’s how to build one

NNPA NEWSWIRE — “Saying ‘I want to improve my credit’ isn’t a strong enough goal to keep you on track to the credit you deserve,” says Dominique Brown, financial advisor and founder of the Your Finances Simplified Academy and YourFinancesSimplified.com. Create a plan for how you will use it and factor in a monthly spending plan based on your income to figure out how much money you’ll actually be able to put towards building good credit.

Published

7 years ago

January 9, 2020

Oakland Post

Remember to only take on what you can manage. Don’t take out the full loan amount if you don’t need it and make sure to pay on time so your credit isn’t negatively affected. (Photo: iStockphoto / NNPA)

Now is a good time to establish a good credit history. These accounts can help get you started.

According to a 2015 study by the Consumer Financial Protection Bureau, roughly one out of 10 American adults are “credit invisible,” meaning they don’t have a credit history with any of the major national credit bureaus (Equifax^®, Experian^®, or TransUnion^®). Because they don’t have a credit history or credit score, this may make it difficult to apply for a credit card, rent an apartment, sign up for cell phone service, or even get a job.

Setting up a credit history – and being in good standing – can take time, so here are some actions you can take to establish credit.

Utilities

Traditional lenders tend to look at a person’s credit score, but people with little to no credit history generally don’t have enough of a profile to even generate a score. A simple way to get your credit history going is by putting utility bills in your name, such as electricity, heat or rent. Making on time payments to your monthly bills can give lenders or anyone else looking into your credit something to consider when you apply for things like a loan or new apartment. Be sure to keep track of due dates and pay the whole balance each month when you can.

Merchant cards

If you frequently shop at a specific business that offers a card for purchases at that business, consider opening an account. For example, if you have a car, a gas credit card could be beneficial because they usually come with discounts, are easier to be approved for and can help you track how much you spend on gas each month. But, be careful when opening a gas card or department store card, as they often come with high interest rates, sometimes 20% or more. Consider sticking to one card until you get comfortable paying in full and on time to avoid the interest being added to your balance. Dominique Brown, financial advisor and founder of the Your Finances Simplified Academy and YourFinancesSimplified.com, has specific advice for department store cards: They should only be used “for credit building, not for credit [buildup].”

When deciding what store card to open, make sure to consider things like:

Interest rate – Is it so high that if you miss a payment, you’ll have a much larger payment to make the next month?
Reward point system – Is one offered so that you receive rewards to help save on future purchases?
How often you shop there – Is it enough to make the card worth it but not encourage you to spend more?

A secured credit card

A secured credit card is a good option if you have a limited credit history, and you can get one by putting up a deposit. You get the deposit back when you close the card, or at a point when your credit history is stronger. Keep track of what you buy with this card and if you feel ready, put repeat expenses on it like a utility bill. Turn the auto-pay function on so you don’t miss a payment and can continue working toward good credit.

A small loan

You can also consider taking out a small dollar loan which like a secured credit card can help build your credit if you make on time payments and pay the balance in full monthly. There are multiple lenders you could get this kind of loan from including:

Online lenders: Make sure to do research on these so you know they are trustworthy.
Credit unions: These typically offer loans between $200 to $1,000, but be sure to consider the interest rate that will be applied to a balance that carries over to a new month.
Banks: Some banks and financial institutions offer small loans and may offer low interest rates or discounts for existing customers.

With these different options it’s important to shop around and choose a loan that has helpful terms such as:

A low interest rate
Fixed monthly payments
A loan term between three to 12 months

Remember to only take on what you can manage. Don’t take out the full loan amount if you don’t need it and make sure to pay on time so your credit isn’t negatively affected.

Have a plan for using credit

Once you’ve identified the type of account you are interested in, “start with the end in mind and build your plan to make it happen,” says Brown. “Saying ‘I want to improve my credit’ isn’t a strong enough goal to keep you on track to the credit you deserve.” Create a plan for how you will use it and factor in a monthly spending plan based on your income to figure out how much money you’ll actually be able to put towards building good credit.

The bottom line is you need to use credit to build credit. Taking it on can be risky, so ask yourself honestly: Am I ready? If you are, opening one of these types of accounts can be a great first step. Remember to make on time payments every month and keep the balance as low as possible – in fact, strive to pay balance in full monthly. To learn more, check out tips from the online Hands on Banking® financial education program.

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NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury

Philadelphia Eagles quarterback Jalen Hurts found Darius Cooper with nine seconds left for the game winning touchdown as his team beat the Tennessee Titans 24-20 in Nashville. Hurts finished the day 26/37 for 264 yards. He threw for two touchdowns and two interceptions. Prior to the final drive, the Eagles ran 25 plays for 45 […]
The post NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury appeared first on BlackPressUSA.

Published

6 days ago

September 20, 2026

Oakland Post

Prior to the final drive, the Eagles ran 25 plays for 45 yards. During the final drive Hurts went 6-8 with 61 passing yards and the touchdown. Titans defensive tackle — and team captain — Jeffery Simmons said this week that the way to defend Jalen Hurts is to make him “play quarterback.”

Hurts said to Simmons after today’s game: “You started that sh**. I had to finish it.”

Running back Saquon Barkley suffered a stinger in the first half but he ultimately finished the game. He had four carries and nine yards and one catch for eleven yards. He will get an MRI for his injury, but admitted to Cameron Wolfe of the NFL Network he was fine.

Caleb Williams leaves game against Vikings with apparent lower-body injury

Chicago Bears quarterback Caleb Williams was helped off the field with a right leg injury with 7:42 remaining in the fourth quarter. Williams was down, writhing in pain after scrambling to his left. After departing the injury tent, Williams raised his right fist, acknowledging the crowd while expressing his frustration. Testing will commence on Monday to find out more details about his injury.

“We’ll know tomorrow,” Johnson admitted regarding Williams’ injury. “He’s in good spirits. He’s a team player.”

Williams finished the day with 138 passing yards and one interception.

“I’m actually happy it’s nothing with the knee — that was my first inclination,” Johnson said. “But, a hamstring could be pretty damaging as well. So, we’ll see. We’ll see how bad it is tomorrow and we’ll go from there.”

Bryce Young once again dominated the Falcons

Carolina Panthers quarterback Bryce Young is 5-1 against the Atlanta Falcons and is undefeated at Mercedes-Benz Stadium. Today, Young threw for 287 yards and three touchdowns as he led the Panthers to a 34-3 dismembering of the Atlanta Falcons. Georgia Tech alumnus Darren Waller caught two touchdowns and linebacker Devin Lloyd returned one of his two interceptions for a touchdown.

Cooper Rush started his second straight game for the Falcons and it did not go well. The partisan crowd voiced their displeasure after Rush completed 10/17 passes for 86 yards and two interceptions. Jack Strand entered the game for Rush prompting cheers from the Falcons fans. The rookie threw a pick-six on his first career pass attempt. Strand was the first QB to accomplish that feat since Sam Darnold in 2018 and is the first Falcons player to do that since Brett Favre in 1991. Strand finished the day with 59 passing yards and 16 rushing yards.

According to reports, quarterback Michael Penix, Jr. is expected to make his season debut this Thursday at the Green Bay Packers. His return should help the Falcons. They are the first team since the 2008 Rams to not run any plays in the red zone after the first two games to open a season.

The bright spots for the Falcons today were the Spelman College Jaguarettes performing with the Falcons cheerleaders and Florida A&M’s marching band, The Marching 100, also performed during halftime!

Jayden Daniels gets carted off after apparent arm injury

Washington Commanders quarterback Jayden Daniels appeared to injure his left elbow on the final play of the first half in his game against the Dallas Cowboys. During the play, Daniels got stepped on, braced himself for the fall, and his elbow bent the wrong way. Daniels draped a towel over his head as he exited the field on the cart.

He was later ruled out.

Daniels suffered a dislocated elbow to the same arm during week nine of last season against the Washington Commanders, which led to him being shut down for the remainder of the season.

The post NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury appeared first on BlackPressUSA.

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The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win

Master the complete vehicle-purchase negotiation framework with Roosevelt Gist and Roosevelt. Learn every stage, tactic, and win!
The post The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win appeared first on BlackPressUSA.

Published

6 days ago

September 20, 2026

Oakland Post

Negotiation framework stages, tactics, and winning strategies from AutoNetwork

Roosevelt Gist and Roosevelt deliver the complete vehicle-purchase negotiation framework in Episode 8 of The Color of Our Money Is Green. This episode covers the three foundations of every effective negotiation, the full seven-stage negotiation sequence with exact language for every stage, and five of the most common dealership tactics with the specific response each one requires.
What You Learn in This Episode:
The three foundations that make every negotiation tactic work
The complete seven-stage car-buying negotiation sequence
Exact language for every stage of the dealership conversation
Five common dealership tactics — the turnover, the four-square, the packed payment, spot delivery, and forced add-ons — and how to counter each one
Why signing preliminary paperwork isn’t the same as signing the final contract
___________________________________________________________________
“The Color of Our Money Is Green: A Buyer’s Guide to What Cars Actually Cost” — stan.store/RGist
____________________________________________________________________
AutoNetwork helps serious car shoppers inspect any new vehicle online before walking into a dealership. I’m Roosevelt — I’ve been reviewing cars and shaping digital car buying and credit union auto leasing since before YouTube car reviews existed.
You’ll find detailed walkaround reviews, POV test drives, and buyer-focused breakdowns covering comfort, space, features, and real-world value.

How to use the channel:
Watch the walkaround of the car you’re considering
Visit AutoNetwork.com for the full review
Check CouponsOffersAndDeals.com for current dealer specials
Walk in already knowing what you want — and what it should cost

AutoNetwork.com
CouponsOffersAndDeals.com
Affiliate disclosure: some links earn a small commission at no cost to you and help support the channel. Insta360 is one of those partners.

The post The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win appeared first on BlackPressUSA.

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Mazda CX-90 Luxury: Heated Seats & Premium Comfort! #shorts

Stay toasty in the CX-90! Plush Nappa leather, heated/ventilated seats, and a memory-equipped heated steering wheel deliver ultimate luxury.
The post Mazda CX-90 Luxury: Heated Seats & Premium Comfort! #shorts appeared first on BlackPressUSA.

Published

6 days ago

September 20, 2026

Oakland Post

Mazda CX-90 interior with heated seats offering premium comfort.

Experience ultimate comfort in the CX-90. Nappa leather, heated/ventilated seats, 8-way power adjustments, and memory settings for both front passengers. The heated steering wheel with memory tilt/telescope adds premium convenience.

Watch the full video: https://youtu.be/EH5A4eQ4ipY