Establishing Credit
—Learn what you need to know if you are considering establishing credit for the first time...

Think Smarter.  Live Better.  Success is Now.



You can now start enjoying your life more and manage your credit in a smarter, more cost-effective, more time-efficient, easier-to-follow and easier-to-apply manner...

Learn how effective financial planning can change your life for the better...

100 money saving strategies...

Learn about 15 Questions that every home buyer should know the answers to “prior to” purchasing their home…

Consider the following:

• Authorized User—see if your parents (or spouse) can add you as an authorized user

• Apply for a card through your bank or credit union

• Apply for a credit card through a retailer as they are often easier to qualify for

• Get a secured credit card—you may need to get more than one

• Realize that some card companies consider income and assets—along with other factors

What You Must Understand About Credit


Remember NUTTI or MUTTI in your GUTTI to maximize your credit SCORE, FOREVERMORE!

Follow me here...It will make sense...I promise...

These weird sounding acronyms can change your credit future for the better—if you make it a point to truly understand what they really mean—and you apply what you have learned—to your and/or your family’s maximum benefit!

By understanding the following passages you will have a real and practical understanding of the factors that affect your credit now—or will affect your credit in the future—if you are now just beginning to establish your credit.

Be sure you gain a real understanding of the ratios and the descending nature—35%—30%—15%—10%—10%.

By doing so early in the process you will set yourself up for a successful credit future.

In addition, be sure to establish an emergency fund —and make sure you understand the life stages of financial planning. By doing all of the above—you will set yourself up for success at a high level in your credit and financial future!

OK—here we go…let’s get a real understanding of your credit that you can carry within your mind—for the rest of your life.

N—“Negativity”—try to avoid negative information in your payment history—35% of your score

U—keep “Utilization” or amount owed low—keep debt low—30% of your score

T—always pay on “Time”—keep old accounts open—15% of your score

T—keep a good mix and have different “Types” or kinds of credit—10% of your score

I—keep “Inquiries” low by loan shopping within a small window such as 2 weeks—10% of your score

Or Another Way to Look At It

M—don’t “Mess up” your credit—try to avoid “negative info” on your report—you want to have a good payment history—35%

U—keep “Utilization” or amounts owed at a low percentage of your total debt—keep debt low—30% of your score

T— “Time” keep old accounts open— always pay on time—15% of your score

T—keep a good mix and “Type” or kinds of credit—10% of your score

I—keep “Inquiries” for the last 12 months low if you will be seeking new credit—10% of your score

Did you know that I set you up for a short catchy Acronym (although somewhat strange sounding—which is why many always remember it) that has the potential to help you take control of your credit for the rest of your life?

If you memorize and utilize the following phrase in the right manner you will be in position to improve your credit position. Feel free to pass it along to your family and friends to help them improve their credit score and credit situation as well.

Although the Acronym (memory trigger) is somewhat “weird” you should easily remember it for the rest of your life by reciting it in your mind on a constant basis until you are confident that you have it memorized and understand the underlying concepts behind each letter in the acronym—including the percentages.

Remember NUTTI or MUTTI in your GUTTI to maximize your credit SCORE, FOREVERMORE!

By simply memorizing the above Acronym and utilizing the knowledge gained you can take positive control of your credit situation and that of your family and loved ones.

N and M stands for...and consists of 35% of your score

U stands for... and consists of 30% of your score

T stands for... and consists of 15% of your score

T stands for… and consists of 10% of your score

I stands for... and consists of 10% of your score

OK, your time is up, I'm sure you have all of the factors that go into maintaining and improving your credit and credit score mastered.

When you think of what you need to do to manage and improve your credit—think:

Remember NUTTI or MUTTI in your GUTTI to maximize your credit SCORE, FOREVERMORE!

The above structuring technique brings clarity to help you improve and maintain your credit for the rest of your life.

By simply remembering the weird poem or statement and the underlying meaning behind each letter—you put yourself in position to always know what you need to do to improve and maintain your credit. It is important that you remember the ratios as they are in declining order.


N or M—35%






As a new or potentially new credit user—if you master the above material—success at a high level will undoubtedly be in your credit and financial future!

Keep in mind that the above ratios are an average for the general population. Each individual has a unique credit file and the ratios will vary from person to person!

You now have the starting point of what you need to do to establish and improve your credit—now is the time that you actually do it!

To get a further understanding of the above acronym and to see other—more in-depth discussions on credit—be sure to go to our "credit improvement page."

By doing so you can gain a more thorough understanding of credit—and how it can be more effectively managed and improved—by you and your family!

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



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