How to build credit fast?

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Building credit is not an overnight process. However, you can add up to 100 points within a few months.

Aim for credit utilization of no more than 30% of the available balance.

Reduce your credit card usage

Aim for credit utilization of no more than 30% of the available balance.

Request a higher credit limit

Become an authorized user and choose an account holder with strong credit. Ensure the payments are reported to credit bureaus.

Ask to be added as an authorized user

Your payment history is 35% of your credit score. Pay your bills and debts on time if you want a boost.

Make on-time payments

Ask your landlord to report your rent payments to credit bureaus via services like Esusu or use Experian Boost.

Get credit for rent and utility bills

Ask your landlord to report your rent payments to credit bureaus via services like Esusu or use Experian Boost.

Obtain a credit-builder loan