13 Ways to Build Credit
Building credit (or resurrecting a damaged credit profile) is not something that happens overnight or without effort. In order to have a solid credit profile, one that earns you the most competitive interest rates on applications, you must establish lines of credit and have a history of responsible use. But that's merely one of the steps involved.
"Because credit is so complex, building it takes time and patience, especially if you're trying to rebuild bad credit," says Colleen McCreary, chief people officer and financial advocate for Credit Karma. "Knowing which levers to pull can help put you on the right path to improving and maintaining your scores."
To help demystify the process, we asked McCreary and other leading credit industry voices to share their top tips for developing and maintaining a stellar credit profile. Here's what they had to say.