Building Credit
Discover proven strategies to establish and build your credit history from scratch or improve your existing score. Building strong credit takes time, patience, and the right approach, but the rewards are worth the effort. We share actionable tips on opening your first credit accounts, becoming an authorized user, and using credit builder loans effectively. Learn how to develop positive payment habits and maintain low credit utilization ratios for optimal score growth. Our expert guides walk you through each phase of the credit building process, from establishing your first tradeline to reaching excellent credit status. Whether you have no credit history or are rebuilding after setbacks, find the guidance you need to succeed.
January 26, 2026
How Lenders Use Alternative Data to Score Thin‑File Borrowers — What to Watch and How to Improve Your Odds
Learn how lenders use rent, bank cashflow, BNPL and open‑banking signals to underwrite thin‑file borrowers, the risks, and steps to improve approval odds.
January 11, 2026
Privacy Checklist for Fintechs Reporting to Credit Bureaus (2026)
Privacy checklist for fintechs reporting to bureaus: what data they collect, how it's used, legal duties, risks, and step-by-step consumer opt-out actions.
January 6, 2026
If Your Bank Starts Charging for Data: A Consumer Guide to Open‑Banking Fees, Alternatives and Rights
If your bank begins charging for data access, learn your rights under CFPB rules, practical alternatives, and steps to protect your credit and privacy.
December 11, 2025
Thin Files and Small‑Dollar Credit Builders: Micro‑Savings, Round‑Up Apps and Starter Tools That Move Scores
Practical guide to micro‑savings, round‑up apps, secured cards and credit‑builder loans that help thin‑file consumers build credit and move scores safely.
November 29, 2025
BNPL That Builds Credit: Which Providers Report, How They Report, and How to Benefit Safely
Which BNPL providers report to credit bureaus in 2025, how the data appears, and step‑by‑step tactics to use BNPL safely to build credit.
November 25, 2025
Rent Reporting, Algorithm Bans and the RealPage Lawsuits: What Renters Need to Know in 2025
Understand how RealPage lawsuits, city algorithm bans, and regulator moves in 2025 affect rent reporting and your credit — and what renters should do next.
November 14, 2025
How Much to Deposit on a Secured Card: Balance Strategies That Protect Your Score
Decide how much to deposit on a secured card to protect your credit score. Learn deposit strategies, utilization targets, and step-by-step tips to build credit.
November 14, 2025
How Rent-Reporting Services Really Work: Boost Your Score Without a Credit Card
Learn how rent-reporting services add rent payments to credit files, which scores they affect, costs, and step-by-step tips to boost credit without a card.
November 14, 2025
Case Study: How Rent Reporting Moved Real People’s FICO Scores (and When It Didn’t)
Real-world study of rent reporting: who gained FICO points, why some renters saw no change, and practical steps to make rent reporting work for you today.
November 14, 2025
Secured Cards vs Credit‑builder Loans: Which Starter Product Is Right for You?
Compare secured credit cards and credit‑builder loans: costs, reporting, timelines and who benefits most. Practical guidance to choose the right starter product.
November 14, 2025
Buy Now, Pay Later (BNPL) and Alternative Data: Can Responsible Use Help Build Credit?
Can BNPL help build credit? Learn how BNPL reporting, bureau & regulator moves, and new scoring models may affect scores — plus steps to use BNPL responsibly.
November 14, 2025
Use a Secured Card to Lower Credit Utilization Fast — Without Spending More
Learn practical steps to use a secured card to reduce reported utilization quickly — pay before statement closing, set small recurring charges, and avoid overspending.