How to Build Credit Without a Credit Card  [Boost Your Credit]

1

A secured credit card is a type of credit card that requires you to put down an upfront cash deposit, usually equaling the amount of your credit limit.

Secured Credit Card

2

A credit builder loan functions as a tool for people who have low or no credit history. They can use them to begin building up their credit scores by establishing a credit history.

Credit Builder Loan

3

The credit card company holds the person who signed up to be the primary account holder responsible for paying charges on their account.

Authorized User Status

4

By paying rent, utility bills, and rent, you also demonstrate your ability to manage other liabilities. Taken together, these added items can create a good credit score worth using when applying for a loan or credit card from a bank or credit union.

Alternate Payment History Appearing in Your Credit Report

5

Having a co-signer credit card works similar to carrying a joint brokerage account or bank account—you both have access to the funds.

Co-Signers on Credit Products

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