[AJ]

I've had to get back to using credit cards to build my credit. Carrying a balance works to build credit cause it shows you can manage money. But, the key is to not get the need for that. Brandson had the perfect layout to building and keeping good credit when young. And it's people 18-25 that detroy their credit most. It's hard to build it back up then as well. I've watched my score jump up about 75 points in the last year. One more year like that and I'll be sitting pretty. One thing we did a lot last summer was put a lot of the gas we used on a card with a $300 limit. I kept a revolving balance of around $70 for the summer, so it did cost me a little in intrest but the general rule was to pay off everything as it statement came in. Now with the new car loan we've kicked the use of our credit out a lot.