How to Build Credit

You build credit by starting early with small, manageable accounts like secured credit cards, making on-time payments, keeping balances low, becoming an authorized user on someone else's account, and consistently paying all bills on time.

Start your credit journey today

Your credit score follows you everywhere. From renting an apartment to getting a job to setting up basic utilities, that three-digit number impacts nearly every financial move you make.

Good credit helps lenders and businesses see you as reliable, opening doors to better loan terms, higher credit limits, and lower interest rates.

The good news? Credit scores aren't permanent. Whether you're starting from scratch or rebuilding after mistakes, smart decisions now can create a positive credit report that serves you well for years to come.

Begin early

Your credit history length significantly affects your score. The sooner you start building credit responsibly, the better your long-term outlook becomes.

Start small

Applying for multiple credit accounts quickly makes lenders nervous.

They wonder if you're in financial trouble or planning to take on more debt than you can handle. Take it slow with one account at first.

Choose the right first account

Several options can help establish your credit foundation:

• Basic credit cards: Often easier to qualify for than major credit cards

• Credit builder loan: help you create or bulk up your credit history by showing you're consistent with your money management

• Secured credit cards: Require a security deposit that typically becomes your credit limit

• Cosigned accounts: Having someone with established credit vouch for you

• Becoming an authorized user: Getting added to someone else's account

Before choosing a secured card, confirm they report to major credit bureaus, understand all fees and interest rates, and know what happens if you can't make payments.

Handle credit responsibly

The fastest way to build good credit is to use it wisely:

• Pay your full balance monthly when possible

• If you carry a balance, keep it below 30% of your credit limit

• Never miss payment deadlines

Remember all bills matter

Late payments on any bill—not just credit cards—can damage your score. Phone bills, medical bills, utilities and other regular payments can all affect your credit if they go unpaid.

Building credit takes time, but it's worth it

Building strong credit doesn't happen overnight, but each responsible decision moves you closer to financial flexibility.

Start small, be consistent, and watch your opportunities grow as your credit improves.