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50+ Proven Tactics to Build Credit

Whether you just graduated college and want to refinance your student loans, you’re thinking about buying a car or home soon, or you just migrated to the US and want a credit card, good credit is essential.

Having a good credit score can mean the difference between paying back higher rates of interest per month or keeping costs low for the times you *do* need to borrow.

But how can you build credit for both your short and long-term financial goals?

To help, we put together this comprehensive list of credit building tactics and resources you can use to improve your credit score. We’ll routinely update it with new tactics we see working for our customers too.

Just use the filters below to find the tactics that meet your needs.

Think of a credit-building tactic that’s missing? Tweet us about it @SelfCreditApp.

See tactics by timeframe:
Short term Long term
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Self Financial, Inc. and the issuer(s) of the Credit Builder Account and Secured Credit Card make no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Self Financial, Inc and the issuer(s) of the Credit Builder Account and Secured Credit Card of any information in any hyperlinked site. In no event shall Self Financial, Inc. or the issuer(s) of the Credit Builder Account and Secured Credit Card be responsible for your use of a hyperlinked site.