{"id":222,"date":"2025-03-30T00:37:00","date_gmt":"2025-03-30T00:37:00","guid":{"rendered":"http:\/\/spruce-dev.chemistry.digital\/?p=222"},"modified":"2025-03-31T21:40:15","modified_gmt":"2025-03-31T21:40:15","slug":"how-to-start-building-credit","status":"publish","type":"post","link":"https:\/\/www.sprucemoney.com\/resource-center\/building-credit\/how-to-start-building-credit\/","title":{"rendered":"How to start building credit \u2014 or rebuild it \u2014 with confidence"},"content":{"rendered":"\n<p>Building credit may seem like a huge hurdle if you\u2019re trying to gain financial stability. It\u2019s a tricky topic. That\u2019s why we\u2019re here to help you understand how to start building credit and why it can be the key to your financial future.<\/p>\n\n\n\n<p>First, a quick definition. When people talk about credit, they are referring to your history of making monthly payments (sometimes this may include utilities, rent, and cell phone bills) and paying off debts as well as your credit score.<\/p>\n\n\n\n<p>If you don\u2019t have the best credit history or are just starting out, we\u2019ll give you insight on how to start building credit and how to rebuild bad credit. We\u2019ll also answer, \u201chow long does it take to build credit?\u201d, the basics of your credit score, and the benefits of having good credit.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Helpful Tips for How to Build Credit | Spruce\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/lEft0rC3zgI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-credit-important\"><strong>Why is credit important?<\/strong> <\/h2>\n\n\n\n<p id=\"h-why-is-credit-important\">Working on your credit is one of the hallmarks of good money management. Good credit is somewhat of a badge of honor \u2014 and with it comes multiple benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>After you take the time to build your credit, you can qualify for a wider range of credit product such as credit cards, loans, and mortgage options. And, in some cases, with a good credit score, you could benefit from more favorable loan terms, like lower interest rates.<\/li>\n\n\n\n<li>Many rental companies will pull credit as part of considering rental applications, and good credit may increase the chances of getting approved, and in some cases require lower or no security deposits.<\/li>\n\n\n\n<li>Some employers run a credit check on prospective job candidates.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-is-a-credit-score-calculated\"><strong>How is a credit score calculated?<\/strong> <\/h2>\n\n\n\n<p>We mentioned briefly that your credit score reflects your history of paying off debts from lenders, but let\u2019s walk through the basics.<\/p>\n\n\n\n<p>Your lenders report your accounts and its performance to major credit bureaus on a periodic basis (usually monthly) and this history is used by credit scoring agencies to generate a credit score. The most common credit scores are FICO and Vantage scores, and they range from 300 to 850. The number is a measure of your perceived risk as a borrower to creditors.<\/p>\n\n\n\n<p>A lower number means more risk and a higher number means less risk. Your goal is to get as close to 850 as possible. However, a more realistic goal for those with no credit or bad credit is to raise your score into the \u201cGood credit\u201d category. For more information, check out our post: <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/building-credit\/what-is-a-good-credit-score\/\">What is a good credit score<\/a>.<\/p>\n\n\n\n<p>The factors that determine your credit score are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payment history<\/li>\n\n\n\n<li>Credit utilization (the amount of your available credit that you are using)<\/li>\n\n\n\n<li>Length of credit history<\/li>\n\n\n\n<li>Mix of credit types (installment loans, credit cards, student loans, etc.)<\/li>\n\n\n\n<li>Recent credit applications (too many recent applications can be a red flag)<\/li>\n<\/ul>\n\n\n\n<p>Two important financial factors that do not impact your credit score are employment history and your income.<\/p>\n\n\n\n<p>Related: <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/building-credit\/how-credit-score-is-calculated\/\">How your credit score is calculated<\/a><\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-article-cta\" class=\"wp-block-create-block-hrb-article-cta\" style=\"background-color:#005D1F\"><div class=\"hrb-article-cta--image\" style=\"background-image:url(&quot;https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/06\/spruce-susan-resized.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-article-cta--copy standard\"><h3 class=\"main-heading\">Easy money management, no monthly fees. Explore the Spruce mobile banking app, built by H&amp;R Block.&nbsp;<\/h3><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/account.sprucemoney.com\/signup\/\">Get started<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"is-style-diy-tiny-text\">Spruce fintech platform is built by H&amp;R Block, which is not a bank. Bank products by Pathward\u00ae, N.A., Member FDIC.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-long-does-it-take-to-build-credit\">How long does it take to build credit?<\/h2>\n\n\n\n<p>Before you start an important financial task, you\u2019re probably wondering how long it will take to do it. So, how long does it take to build credit? Good things don\u2019t happen overnight, so it will take some patience and diligence. If you have no credit history, you can take steps to build it, such as opening a credit builder card (see the \u201cHow to build a credit score\u201d section below). But know that it can take three to six months before a credit score is calculated.<\/p>\n\n\n<div class=\"wp-block-image is-style-default\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"369\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2022\/05\/SRC_Rebuilding-Credit_v2.jpg\" alt=\"how to rebuild credit\" class=\"wp-image-911\" style=\"width:240px\" srcset=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2022\/05\/SRC_Rebuilding-Credit_v2.jpg 720w, https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2022\/05\/SRC_Rebuilding-Credit_v2-300x154.jpg 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n<\/div>\n\n\n<p>If you have a low credit score or have gone through a recent bankruptcy, rebuilding your credit may also take time. It depends on how severe your financial hardships have been in the past \u2013 and how they impact your credit history.<\/p>\n\n\n\n<p>Building credit takes a little effort, knowledge, and discipline, once you\u2019ve established good credit it\u2019s an important financial metric that can aid your success in borrowing money in the future.<\/p>\n\n\n\n<p>A word of caution: Avoid opening multiple credit card accounts at once because you may think it will speed up the process. This won\u2019t raise your credit score any faster and may hurt your score. When it comes to building credit, slow and steady wins the race.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-build-a-credit-score-and-credit-history\">How to build a credit score and credit history<\/h2>\n\n\n\n<p>Now that we\u2019ve established that building credit is a long-term process, let\u2019s look at some of the ways you can help establish good credit, no matter your financial situation.<\/p>\n\n\n\n<p>So, let\u2019s get to answering how to build a credit score based on a few scenarios:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-how-to-build-credit-when-you-have-none\">1. How to build credit when you have none<\/h3>\n\n\n\n<p>If you\u2019re a young adult new to credit or have recently moved to the U.S., you might not have a record of credit on file with credit bureaus.<\/p>\n\n\n\n<p>If you&#8217;re wondering how to build credit for the first time and you don&#8217;t qualify for a credit card, it is possible to <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/building-credit\/without-a-credit-card\/\">build credit without a credit card<\/a> by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Opening a secured credit card.<\/strong> This is one of the best methods for establishing credit. A secured credit card is backed by a cash deposit from the user. The amount you deposit then serves as your credit limit \u2013 like a prepaid card. Responsible use of a secured credit card will improve your credit score over time.<\/li>\n\n\n\n<li><strong>Opening a credit card with a co-signer.<\/strong> If you can\u2019t qualify for a credit card because of your lack of credit history, apply for a conventional credit card with a cosigner like a parent or partner with good credit. This means that both you and your cosigner are listed on the credit card account and both of you are legally responsible for paying back the debt.<\/li>\n\n\n\n<li><strong>Becoming an authorized user on a credit card.<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-nbsp-how-to-build-credit-with-bad-credit\">2. &nbsp;How to build credit with bad credit<\/h3>\n\n\n\n<p>Many people have experienced financial hardships, including bankruptcy, resulting in a poor credit score. While it can be challenging, there is a proven path back to good credit.<\/p>\n\n\n\n<p>The first step to learning how to build credit with bad credit is to examine your current credit score. Many credit bureaus will offer this information as well as some banks. &nbsp;<\/p>\n\n\n\n<p>After you learn what your credit score is and need to boost it, the best course of action is: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> Paying your existing credit card and loan payments on time each month<\/li>\n\n\n\n<li> Disputing credit report errors<\/li>\n\n\n\n<li> Keeping revolving balances below 30% of your credit limit<\/li>\n\n\n\n<li> Do not close old credit card accounts or apply for too many credit lines. Both can negatively impact your credit history and debt-to-income ratio.<\/li>\n\n\n\n<li> Asking for higher credit limits while maintaining, or reducing, your balance can lower your overall credit utilization, or available credit being used. However, do this with caution because it could negatively impact your score if a \u201chard\u201d credit inquiry occurs, or the additional credit is used.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Final note on how to start building credit<\/h2>\n\n\n\n<p>Building credit isn\u2019t quick or easy, but with the right strategy and the right tools to help you, it can be done. &nbsp;<\/p>\n\n\n\n<p>Here\u2019s the bottom line \u2013 building credit can take time and discipline to ensure that you\u2019re paying balances on time.&nbsp; Knowing what can help you build your credit can help you make better decisions for your financial future.&nbsp;<\/p>\n\n\n\n<p>Want more help with being good with money? Check out our other posts in the <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/\">Spruce Resource Center<\/a>. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>This information provided for general educational purposes only. It is not intended as specific financial planning advice as everyone\u2019s financial situation is different.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Building credit may seem like a huge hurdle if you\u2019re trying to gain financial stability. It\u2019s a tricky topic. That\u2019s\u2026<\/p>\n","protected":false},"author":1,"featured_media":243,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-building-credit"],"acf":[],"yoast_head":"<title>How to Start Building Credit | Spruce<\/title>\n<meta name=\"description\" content=\"How long does it take to build credit? 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