This "How to Establish Your Credit" book will offer people some helpful suggestions and scenarios that we talk about in the banking industry, along with my real estate banking experience with inputs that will assist the reader to become familiar and to get a better understanding of how to establish or expand their banking credit. Over the years we have noticed that most bank customers do not know the proper people in the banks or how to use the banks to their advantage. Our hope is that this book will assist people in establishing and expanding their credit needs with a better understanding of what bankers are looking for in establishing your personal basic and advanced credit needs. We also cover and discuss the requirements needed for business credit and credit expansion. We have also included in another section in this book a scenario on "How to Negotiate on Anything" that people can use for the rest of their lives that will save them thousands of dollars when they are buying or selling anything.