Cleaning up your credit can be a difficult process. However if you take the steps toward your credit clean up you can be on your way to a brighter financial future. One good way on the road to success in building strong finances is to to add or refine the starter or good accounts you currently have. Starter accounts are those smaller credit or loan accounts that people with no credit are usually able to get in order to start building credit. These accounts are smaller in limit and don’t require the high level of credit that other loans, like credit cards and home loans, do. These are good accounts not only for those just starting out in their credit journey, but also for those recovering from bankruptcy and other financial set backs.

Credit can be complicated to those who are unsure of how credit works. Credit is a billion dollar a year industry that offers many possibilities. When handled appropriately and with smart decision making, credit can be a great thing that offers opportunities and advancement to you. Most people think of credit as how you are able to get a house, a vehicle or other loans for items of value, but credit is also used to judge character about a person when they are applying for a rental, a job, or other life advancement.

Take all the time you need to choose and create the right credit card accounts to reflect good credit and then maintain those accounts to boost your credit rating and score. So, how do you know which ones are your good accounts? There are many different types of accounts that offer relatively  low interest rates or high limits. The first step in determining accounts that are worth your time are to read the fine print and see whether the low interest rate will balloon after a couple of months or whether the high limit will create a level of temptation you may not be able to avoid. Also, only work with companies you know and trust. Try to avoid ones that are new, unstable, or unknown. Besides being a smart choice for investing your time and money in, larger, more well-known lending companies are better to have on your credit report because they lend more weight when others are considering lending to you.