 TITLE: 8 Ways to Build Credit If You’re New to the U.S. CONTENT: Build Positive Credit\n---------------------\nAfter establishing credit in the U.S., you'll want to focus on building a positive credit history. Doing so can help you qualify for more, better and lower-cost financial products.\nBuilding good credit can take time, partially because the age of your credit history is a scoring factor. But here are a few simple practices you can follow:\n*   **Pay your bills on time.** If possible, pay all your bills on time. If you miss a payment, try to bring your account current within 30 days. Falling 30 or more days behind can lead to a late payment in your credit history, which will hurt your credit scores.\n*   **Don't use all your available credit.** If you have a credit card, using a small portion of your account's credit limit is best for your credit scores. Only using small amounts can also make it easier to pay your bill in full, which will help you avoid paying interest.\n*   **Apply for credit sparingly.** You may want to open a few accounts when you're first building credit. But once you're established, limiting how many applications you submit can help you maintain a good score.\nThe Experian blog is filled with articles on credit reporting and credit scores. Continue learning about the intricacies of credit and how specific actions may help or hurt your credit. END