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How to build credit

Started by Joella B.
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Elizabeth F.

I had a secured credit card for a year. Now I have a regular credit card.

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Stacie S.

So many great ideas and so much good info regarding building credit thanks y’all

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Nolan R.

I've learned that missing just a single credit payment has a devastatingly negative impact on your credit score. It seems it's easier to lower your credit score than it is to raise it.

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Tecoria S.

Does anybody know a company to use to build credit, or a site to use that want mess up your credit for checking it?

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Jazmin B.

A good tip is to use your credit card and pay it the same day!

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Manuel M.

I obtained a secured credit card and this helped my credit go up.

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Carrie G.

I am 40 years old I have never owned a credit card but there are things on my credit that I have no idea what they are and I'm trying so hard to build up my credit to start making a better life for my kids and myself but my question is is there a credit card company or a loan agency that'll help me out if my score is less that 500??
Someone please help

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Krystah N.

Does anybody know a company to use to build credit, or a site to use that want mess up your credit for checking it?

I use chimes credit builder.

Deleted user

I've noticed that many articles mentioning what goes into your credit score say how beneficial real estate loans are.

What they never mention is whether a reverse mortgage for those 62+ is as beneficial as an equity credit line or traditional mortgage.

I do know that some store accounts that do not specify a credit limit ranks low on credit building because the credit scoring has to guess what number to assign as a limit, so it makes you appear to have less available credit than you may.

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Matthew S.

I just started using SELF. You pay monthly payments into a CD and at the end of the 24 month period you get your money back and build your credit at the same time. After 3 month months of on time payments you can get a credit card through them also.

I thought about trying SELF as well. I'm curious as to how much of an impact it has on ur credit score after the 24 months.

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Diego D.

no luck applying for a credit card with my bank. I want to build any credit so I will keep trying.

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Jeff K.

Chime bank also offers credit cards, like a secured credit and itll add money to it every time you are paid.

Thanks for the insights

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