The easiest way for most people to build credit is to maintain credit card accounts in good standing. We recommend going here for our Editors’ top choices of limited/no credit history cards. Whether you lock your card in a drawer or use it responsibly (i.e. pay your bill on time each month, minimize unnecessary debt, and maintain low credit utilization levels), your creditor will relay positive account information to the major credit bureaus each month, thereby beefing up the files on which your credit scores are based.
You can learn more from our New To Credit Guide and you can always check your credit report for free, right here on WalletHub.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.