To build credit, you can apply for a secured card, become an authorized user, work on paying down existing debt, and make sure you make all payments on time. You can also use a service that reports rent or utility payments to credit bureaus.

Many or all of the companies featured provide compensation to LendEDU. These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site.