Many people want to improve their credit, but prefer not to use credit cards.

 

The good news is that you can build a solid credit foundation without ever opening a card.

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1. Use a Credit-Builder Loan

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These small loans place funds in a savings account while you repay the balance. Once completed, the lender reports your payments to the credit bureaus, building history.

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2. Try Credit-Builder Apps

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Apps like Ava Credit Builder and Kovo Credit help users report payments safely and automatically to major bureaus.

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3. Report Rent and Utility Payments

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Services such as Experian Boost and rent-reporting tools can add positive payment history to your credit profile.

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4. Always Pay on Time

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Payment history is the single largest factor in your credit score. Set up autopay or reminders to stay consistent.

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Learn More

If you are starting from scratch, visit How to Build Credit with No Credit History for a beginner’s foundation.