6 Simple Hacks to Build Credit
Whether you’re just starting out or rebuilding after setbacks, a strong credit score opens doors—lower interest rates, easier loan approvals, and better financial opportunities. The good news? Boosting your credit doesn’t have to be complicated. Try these simple, practical hacks to start building credit today.
Pay Bills on Time, Every Time
Your payment history makes up the largest portion of your credit score. Even one late payment can drag it down. Setting up autopay or reminders can help you stay consistent.
Keep Credit Utilization Low
Experts recommend using less than 30% of your available credit. If you have a $1,000 limit, keep your balance under $300 to show lenders you can manage credit responsibly.
Become an Authorized User
Ask a family member with good credit to add you as an authorized user on their card. Their positive payment history can give your score a helpful boost.
Open a Secured Credit Card
If you’re building credit from scratch, a secured card backed by a deposit is a safe entry point. Use it for small purchases and pay it off in full each month.
Diversify Your Credit Mix
Credit bureaus like to see variety—such as a credit card, auto loan, or student loan. You don’t need every type, but a healthy mix shows you can handle different kinds of debt.
Check Your Credit Report Regularly
Errors happen, and they can cost you points. Review your free annual credit report to catch mistakes and dispute inaccuracies before they hurt your score.
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