The smart moves college graduates must make now to achieve a stellar credit score

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The smart moves college graduates must make now to achieve a stellar credit score
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College grads can make these moves now to achieve a stellar credit score. investinyou (In partnership with acorns.)

For college graduates the future is full of new possibilities and, along with it, some financial milestones — a new career, a salary, a move to a new place and maybe even a new car. But this thrilling new turning point can also be challenging if you have minimal credit history.

Typically, recent graduates have some credit history based on a student loan or credit card, but if you are among those who need to build up some credit, here are some tips to get there fast.Opening a credit card is one of the fastest ways to build credit, as long as you make your payments on time; even one late payment could plunge a score by 100 points or more.

"It is important to get in the habit of paying off your card each month. If you cannot pay off your card, get rid of it, says Doug Boneparth, a CNBC contributor and president of Bone Fide Wealth.on someone else's credit card is a great option. To become an authorized user, the primary account holder just requests to add your name to their credit card account, giving you authorization to use it, and you'll receive a credit card tied to the account.

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