In order to qualify for most mortgage programs, you will need to have a middle credit score above 620.
One easy way to begin to build a credit history is by the use of "Secured Credit Cards". A secured credit card is a Mastercard or Visa card account that is opened using the creditor's own monies as security for the credit limit on the card. You will need to have at least (1) open line of credit, with 9 to 12 months of history for the account. It usually takes this time to have a new account affect the credit score.
With any credit card account remember: