Credit building 101
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Credit Building
Build your credit score and your confidence
Top credit building guides
What is a charge-off?
A charge-off means that a creditor has closed an account, but the debt isn’t gone. See how this can negatively affect your credit score.
How to remove collections from your credit report
It is possible to remove account collections from your credit report, but building your credit back up could take some time.
What are the three credit bureaus?
Experian, Equifax and TransUnion are the three major credit bureaus, or credit reporting agencies. See how they work in this guide.
What is a good credit score?
A good credit score falls in the 670 to 749 range. A credit score of 750 and above is considered very good or excellent.
Read more on this topic
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Cred.ai Unicorn Card review
The Unicorn card by Cred.ai charges no APR, as long as you have autopay on, making it a good choice for a first credit card to build credit.
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Grow Credit Mastercard review
Grow Credit offers to build your credit history with subscription services for free.
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Methodology: Credit-building products
Here’s how we rate credit building accounts, covering what we look for in credit score requirements, fees, credit reporting practices, customer service APR and account features.
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CreditStrong review
Credit Strong is a division of Austin Capital Bank and offers many credit-building loans to choose from, but they can be costly.
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Self Credit Builder Account review
Self offers rent and utility reporting, Credit Builder Account and more to help boost your credit score.
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Kikoff Credit Building review
Kikoff offers several credit-building products, including a secured card with no monthly fee, no interest charges and a low minimum deposit.
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Experian Boost® review: How it works
Experian Boost is a free credit-building tool that helps you build credit with rent payments, utility payments and streaming service subscriptions.
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9 debit cards that build credit without charging interest
Debit cards and similar cards that can help build credit with little to no risk include: Extra, Fizz, Current, Chime, Step, Varo and more.
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Cushion app review
Cushion is an all-in-one banking app that helps you track your spending and build credit without interest charges. See if it could be right for you.
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Credit repair companies: What they do and are they worth it?
Credit repair companies help you dispute credit report errors for a fee. See if these services are right for you and how to avoid fraud.