How to build good credit in one year?

I know how, why so fast , I got 730 credit score of Tran union in one year. I'm new comer to USA. 1. try to apply for Credit Card such as Chase! 2. Pay off all the bill on time with full entire balance. 3. Spent as u can afford by paid full in the end of month 4. Cancel any unnessary Credit Card 5. Open checking & saving account 6. Request Credit report at least once in six months 7. try to sign up any credit union membership At first I tried to apply for any credit card companies, but they didn't approve me, except chase with APR 23% with $ 300 credit limit. Right now I got $1200 credit limit & APR 12%, and I got a credit union membership. I got a lot of credit card offer, I'm so excited, otherwise I knew it's not best score, but it's considered good credit. I have to improve it more. I can loan installment just 11% APR. Trust ME U GUYS! It will be worked!

Public Comments

1. this aint no question...just stating the obvious.
2. Welcome to America. So you think that you are a credit expert now ? I'm sure that you did do all these things, but you probably ate every day and took a shower once in awhile too, but those aren't on your list. #4,5,6, & 7 have absolutely nothing to do with helping your credit score, sorry. AND #2 and 3 is wrong, you do NOT need to pay off entire balance. You did get 1½ right out of 7.... #1 is correct!
3. good credit card ? your visit in this site
4. we look at three simple steps that can get you a jumpstart towards good credit history. 1. A checking or savings account Begin with opening a checking account in your name. This is the first step towards acquaintance with banking and financial institutions. The idea is to open a bank account as early as possible, keep it in good standing, and it should reflect financial stability. And yes, the bank account should be in your name. Don't open and close bank accounts too frequently as this is perceived wrongly by credit reporting agencies. If you open a savings account, the money deposited in it can be used for security purpose when you want a loan. 2. Start paying the bills with your name You need a mobile right? Go ahead and get a connection in your name and pay the bills so that they build credibility to your name. The way you pay your bills matter the most. If you pay everything on time and in full, a good credit history is waiting for you. The converse is also true. If you start faltering on your bill payments it will reflect badly on your credit history and you will definitely face problems while getting good credit cards and loans on cheaper terms. 3. Get a credit card Students get numerous offers for credit cards when they enter a college. Some of them get carried away and take a few, and then use them to pay for all kind of things, and end up in debt. This is definitely not advisable. Credit cards are essential to building a credit history but too many credit cards do not build credit history faster. The thing that matters most for credit reporting agencies is how well you are able to repay your debts. Read more from: http://www.credit-card-gallery.com/article/234,Start_building_positive_credit_history_in_3_simple_steps