11/14/2025
3 quick tips to start building your credit:
1. If you can’t qualify for an unsecured credit card, open a starter or secured card or a credit builder account (preferably with a credit union), this a simple way to begin showing positive payment history and building a relationship with the bank.
2. Use it lightly and KEEP your utilization low (under 30%) under 10% is even better! Small purchases or subscriptions + on time payments = big credit growth.
3. Make on time payments, EVERY TIME! Your payment history is the #1 factor in your credit score! Set reminders or set up auto pay so that you never miss a due date.
💡Start small. Stay consistent. Remember it’s a marathon not a sprint, you didn’t get bad credit over night so you won’t get good credit over night either!
-Trust the process and your future credit score will than you😉