{"id":92238,"date":"2023-02-10T12:21:23","date_gmt":"2023-02-10T12:21:23","guid":{"rendered":"https:\/\/businessyield.com\/?p=92238"},"modified":"2023-05-02T16:11:50","modified_gmt":"2023-05-02T16:11:50","slug":"how-to-build-your-credit","status":"publish","type":"post","link":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/","title":{"rendered":"HOW TO BUILD YOUR CREDIT: Detailed Guide","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p>Credit is important. It is one of the three pillars of a solid financial foundation, along with savings and income. And while you might not think about it much, your credit score has a significant impact. A good credit score can help you get a loan, buy a car, or even get a job. A bad credit score can make life much harder. That&#8217;s why it&#8217;s vital to understand how credit works. Hence, this guide will detail everything you need to know about how to build your credit, the score, and how it works fast with cards. By the end of this guide, you&#8217;ll be a credit expert and on your way to a better credit score.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-good-credit-score\"><span id=\"what-is-good-credit-score\">What Is Good Credit Score?<\/span><\/h2><p>A good credit score is a score determined by your creditworthiness. Creditworthiness is the likelihood that you will pay your debts. A good credit score means a low-risk borrower, and a high credit score means a high-risk borrower. Many factors go into determining your creditworthiness, including your payment history, your credit utilization, your credit mix, and your credit history.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-are-the-requirements-to-build-credit\"><span id=\"what-are-the-requirements-to-build-credit\">What Are The Requirements To Build Credit?<\/span><\/h2><ul class=\"wp-block-list\"><li>First, you must have a creditworthy cosigner to help you establish credit.&nbsp;<\/li>\n\n<li>Secondly, find a credit card issuer to give you a credit card with a low credit limit.&nbsp;<\/li>\n\n<li>Thirdly, you must make your payments on time and keep your balance low.&nbsp;<\/li>\n\n<li>Then, avoid using your credit card for cash advances or balance transfers.&nbsp;<\/li>\n\n<li>Lastly, monitor your credit report regularly and dispute any errors you find. By following these steps, you can slowly but surely build a good credit history in the United States.<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-types-of-credit-reporting-agencies\"><span id=\"types-of-credit-reporting-agencies\">Types Of Credit Reporting Agencies<\/span><\/h2><p>There are three main types of credit reporting agencies: Equifax, Experian, and TransUnion. Each one uses different information to calculate your credit score.<\/p><ul class=\"wp-block-list\"><li>Equifax is one of the oldest credit reporting agencies and uses information from banks and credit card companies to calculate your credit score.&nbsp;<\/li>\n\n<li>Experian is a newer credit reporting agency that uses information from utility companies and landlords to calculate your credit score.&nbsp;<\/li>\n\n<li>TransUnion is the newest credit reporting agency and uses information from all three other credit reporting agencies to calculate your credit score.<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-how-to-build-your-credit-score\"><span id=\"how-to-build-your-credit-score\">How To Build Your Credit Score?<\/span><\/h2><p>Below are some things you can do to help build your credit score:<\/p><p>1. Make sure you always make your payments on time: This includes any bills, credit card, or loan payments. If you can, pay more than the minimum payment each month.&nbsp;<\/p><p>2. Keep your credit card balances low:&nbsp; You should keep your credit card balances at 30% or less of your credit limit. It shows lenders that you use your credit responsibly and not overextending yourself.&nbsp;<\/p><p>3. If you have any negative marks on your credit report, try to get them removed. You can do this by disputing them with the credit bureau. You can also try to negotiate with your creditors to have them removed. This can be a long process, but it\u2019s worth it if it can help improve your credit score.&nbsp;<\/p><p>4. You can also try to get a secured credit card. This is a credit card backed by a deposit you make. It can help you build your credit if you use it responsibly and make your payments on time.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-the-fastest-way-to-build-my-credit\"><span id=\"what-is-the-fastest-way-to-build-my-credit\">What Is The Fastest Way To Build My Credit?<\/span><\/h2><p>As everyone&#8217;s financial situation is different, a few general tips can help you build your credit score quickly.&nbsp;<\/p><p>One of the fastest ways to build your credit is to ensure you pay all your bills on time. This includes credit card bills, student loans, car payments, and other debts.<\/p><p>Another tip is to keep your credit utilization low, which means using less than 30% of your credit limit on any given credit card.&nbsp;<\/p><p>Finally, try to diversify your credit by having a mix of different kinds of credit accounts, such as revolving and installment accounts. By following these tips, you can give yourself a good chance of building your credit score quickly.<\/p><h2 id=\"how-to-build-your-credit-with-credit-cards\" class=\"wp-block-heading\"><strong>How To Build Your Credit With Credit Cards<\/strong><\/h2><p>One of the most common methods is to use a credit card. This is because credit cards are one of the most common forms of credit that are available. They are also one of the easiest to obtain and use. Here are a few things to help you build credit with credit cards:<\/p><p>First, use your credit card regularly. That is, you should use it for things like gas, groceries, and other routine purchases. You should also pay off your credit card balance in full each month. It will help to show you are responsible with credit and can manage your finances.<\/p><p>Second, use your credit card wisely. This means you should not be using it for things like cash advances or for making large purchases. You should avoid using your credit card on items that will not pay off immediately. By using your credit card wisely, you will be able to show you are a responsible borrower capable of managing your credit.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-the-cost-of-building-a-credit-score\"><span id=\"what-is-the-cost-of-building-a-credit-score\">What Is The Cost Of Building A Credit Score?&nbsp;<\/span><\/h2><p>There is no definitive answer to this question, as some factors can impact the cost of building a credit score. However, some estimates suggest it can cost anywhere from $50-$100 to establish a credit score with the major credit bureaus. This cost can include paying for a credit report, monitoring your credit score, and taking steps to improve your credit score.<\/p><p>In addition, there may be fees associated with opening a new credit account or using a credit monitoring service. Therefore, consider all potential costs before building your credit score.<\/p><h2 class=\"wp-block-heading\" id=\"h-how-to-improve-your-credit-score\"><span id=\"how-to-improve-your-credit-score\">How To Improve Your Credit Score<\/span><\/h2><p>There are some things you can do to improve your credit score.<\/p><p>First, pay your payments on time. This includes credit card payments, mortgage payments, and other loan payments. If you have late payments, get them caught up as soon as possible. Another thing you can do to improve your credit score is to keep your credit card balances low. If you have a lot of debt, it can take a long time to pay it off, damaging your credit score.&nbsp;<\/p><p>Finally, you can try to get a mix of different types of credit, such as a mix of credit cards and loans. This shows that you can handle different types of debt, and it can help improve your credit score.<\/p><h2 class=\"wp-block-heading\" id=\"h-the-importance-of-a-good-credit-score\"><span id=\"the-importance-of-a-good-credit-score\">The Importance Of A Good Credit Score<\/span><\/h2><p>A good credit score is beneficial for many reasons as follows:<\/p><ul class=\"wp-block-list\"><li>It can help you get approved for loans and lines of credit.&nbsp;<\/li>\n\n<li>A good credit score can also help you get lower interest rates on loans, which can save you money over the life of the loan.&nbsp;<\/li>\n\n<li>A good credit score can help you rent an apartment or get a job. Employers often check credit scores as part of the hiring process, and a good credit score can give you a leg up on the competition.&nbsp;<\/li>\n\n<li>Finally, a good credit score can help you get insurance at lower rates. So as you can see, a good credit score is essential for many different aspects of your life.<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-how-can-a-beginner-build-credit\"><span id=\"how-can-a-beginner-build-credit\">How Can A Beginner Build Credit?<\/span><\/h2><p>There are a few things a beginner can do to start building credit. One is to get a credit card and use it responsibly by making payments on time and in full. Another is to take out a small loan from a bank or credit union and make payments on time. Additionally, one can become an authorized user of another person&#8217;s credit card account and make payments on time. Finally, one can sign up for a credit monitoring service to help track their progress.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-app-helps-build-credit\"><span id=\"what-app-helps-build-credit\">What App Helps Build Credit?<\/span><\/h2><p>Some apps can help you build your credit without any stress. They are Credit Sesame and Credit Karma.<\/p><ul class=\"wp-block-list\"><li>Credit Sesame is a free app that gives credit scores and reports cards with personalized advice on improving your credit.&nbsp;<\/li>\n\n<li>Credit Karma is also a free app that gives credit scores insights into impacting your score and customized advice too. Thus, these apps are perfect options for helping your credit.<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-how-can-i-build-credit-on-my-phone\"><span id=\"how-can-i-build-credit-on-my-phone\">How Can I Build Credit On My Phone?<\/span><\/h2><p>One of the best things you can do is to ensure you make your payments on time. You can set up payment reminders so that you do not forget. Another thing you can do is use a credit card that offers cash back or rewards points for every purchase you make. If you use your credit card responsibly and pay off your balance in full every month, you will be well on your way to building credit on your phone.<\/p><h2 class=\"wp-block-heading\" id=\"h-how-can-i-build-my-credit-with-my-own-money\"><span id=\"how-can-i-build-my-credit-with-my-own-money\">How Can I Build My Credit With My Own Money?<\/span><\/h2><p>There are a few things you can do to help build your credit in the U.S. It is easy and all you have to do are as follows:<\/p><h3 id=\"1-get-a-secured-credit-card\" class=\"wp-block-heading\">1. Get a secured credit card: <\/h3><p>A secured credit card is a credit card you get from a deposit you make with the card issuer. This deposit is typically equal to your credit limit, so if you deposit $500, you\u2019ll have a $500 credit limit. Hence, using a secured credit card can help you build credit because it reports to the credit bureaus like a regular credit card.<\/p><h3 id=\"2-use-a-credit-builder-loan\" class=\"wp-block-heading\">#2. Use a credit-builder loan:<\/h3><p>A credit-builder loan is a loan in which you borrow a small amount of money and agree to make regular payments over a set period, typically 12 to 24 months. The lender reports your payments to the credit bureaus, which can help you build credit.<\/p><h3 id=\"3-become-an-authorized-user-on-someones-credit-card\" class=\"wp-block-heading\">#3. Become an authorized user on someone&#8217;s credit card:<\/h3><p>If you have a family member or friend with good credit who is willing to add you as an authorized user on their credit card, you can benefit from their credit history. Authorized users can use a credit card but are not responsible for making payments.<\/p><h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\">Conclusion<\/span><\/h2><p>In conclusion, building your credit is a process that takes time and effort, but it is possible to do with some planning and discipline. However, follow the tips in this guide, and establish and maintain good credit that will lead to better financial opportunities and peace of mind.<\/p><h2 id=\"related-articles\" class=\"wp-block-heading\">Related Articles<\/h2><ol class=\"wp-block-list\"><li><a href=\"https:\/\/businessyield.com\/finance-accounting\/715-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">715 Credit Score: Is It a Good Credit Score<\/a><\/li>\n\n<li><a href=\"https:\/\/businessyield.com\/bs-business\/best-credit-cards-with-cash-back\/\" target=\"_blank\" rel=\"noreferrer noopener\">BEST CREDIT CARDS WITH CASH BACK 2023<\/a><\/li>\n\n<li><a href=\"https:\/\/businessyield.com\/bs-personal-finance\/credit-score-range\/\" target=\"_blank\" rel=\"noreferrer noopener\">CREDIT SCORE RANGE: What is a Good Range? All You Should Know<\/a><\/li>\n\n<li><a href=\"https:\/\/businessyield.com\/bs-personal-finance\/fastest-ways-to-build-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">FASTEST WAYS TO BUILD CREDIT in 2023 (All You Need)<\/a><\/li><\/ol><h2 id=\"references\" class=\"wp-block-heading\">References<\/h2><ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/how-to-build-credit\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NerdWallet<\/a><\/li>\n\n<li><a href=\"https:\/\/www.experian.co.uk\/consumer\/guides\/building-credit.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Experian<\/a><\/li><\/ul>","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"Credit is important. It is one of the three pillars of a solid financial foundation, along with savings&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":273,"featured_media":94412,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[480],"tags":[],"class_list":{"0":"post-92238","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bs-personal-finance"},"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HOW TO BUILD YOUR CREDIT: Detailed Guide<\/title>\n<meta name=\"description\" content=\"In conclusion, building your credit is a process that takes time and effort, but it is possible to do with some planning and discipline. However, follow the tips\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HOW TO BUILD YOUR CREDIT: Detailed Guide\" \/>\n<meta property=\"og:description\" content=\"In conclusion, building your credit is a process that takes time and effort, but it is possible to do with some planning and discipline. However, follow the tips\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"BusinessYield\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-10T12:21:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-02T16:11:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"678\" \/>\n\t<meta property=\"og:image:height\" content=\"452\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eucharia Okafor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eucharia Okafor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/\"},\"author\":{\"name\":\"Eucharia Okafor\",\"@id\":\"https:\/\/businessyield.com\/#\/schema\/person\/a7010c71c56299be6151ad96f5e77ab2\"},\"headline\":\"HOW TO BUILD YOUR CREDIT: Detailed Guide\",\"datePublished\":\"2023-02-10T12:21:23+00:00\",\"dateModified\":\"2023-05-02T16:11:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/\"},\"wordCount\":1762,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/businessyield.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg\",\"articleSection\":[\"Personal Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/\",\"url\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/\",\"name\":\"HOW TO BUILD YOUR CREDIT: Detailed Guide\",\"isPartOf\":{\"@id\":\"https:\/\/businessyield.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg\",\"datePublished\":\"2023-02-10T12:21:23+00:00\",\"dateModified\":\"2023-05-02T16:11:50+00:00\",\"description\":\"In conclusion, building your credit is a process that takes time and effort, but it is possible to do with some planning and discipline. However, follow the tips\",\"breadcrumb\":{\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#primaryimage\",\"url\":\"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg\",\"contentUrl\":\"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg\",\"width\":678,\"height\":452,\"caption\":\"Image Credit: 10x Travel\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessyield.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"HOW TO BUILD YOUR CREDIT: Detailed Guide\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessyield.com\/#website\",\"url\":\"https:\/\/businessyield.com\/\",\"name\":\"BusinessYield\",\"description\":\"Helping You grow your business\",\"publisher\":{\"@id\":\"https:\/\/businessyield.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessyield.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/businessyield.com\/#organization\",\"name\":\"BusinessYield\",\"url\":\"https:\/\/businessyield.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessyield.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/businessyield.com\/wp-content\/uploads\/2018\/02\/cropped-busicon.png\",\"contentUrl\":\"https:\/\/businessyield.com\/wp-content\/uploads\/2018\/02\/cropped-busicon.png\",\"width\":512,\"height\":512,\"caption\":\"BusinessYield\"},\"image\":{\"@id\":\"https:\/\/businessyield.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessyield.com\/#\/schema\/person\/a7010c71c56299be6151ad96f5e77ab2\",\"name\":\"Eucharia Okafor\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessyield.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3b3931da304804e0ea3937284015f372?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3b3931da304804e0ea3937284015f372?s=96&d=mm&r=g\",\"caption\":\"Eucharia Okafor\"},\"description\":\"Eucharia Okafor, a luminary in content creation and business acumen, boasts a rich tapestry of over 10 years of prolific writing and strategic entrepreneurship. With a keen eye for detail and an innate flair for storytelling, Eucharia has captivated audiences worldwide with her thought-provoking articles and insightful business analyses. As a seasoned business expert, Eucharia navigates the ever-changing landscape with finesse, leveraging her keen insights and strategic acumen to drive success in every endeavor. With a track record of turning ideas into reality, she is a trailblazer in entrepreneurship, unafraid to chart new territories and embrace challenges head-on. Beyond the boardroom, Eucharia is a true aficionado of life's adventures. From traversing uncharted paths to immersing herself in diverse cultures, she finds inspiration in the beauty of exploration and the richness of human connection. Whether she's jet-setting to a far-flung destination or engaging in lively discussions with like-minded individuals, Eucharia's zest for life is infectious, igniting a sense of wonder in all who cross her path. So, join Eucharia on her journey as she continues to inspire, innovate, and ignite change \u2013 one word, one idea, and one adventure at a time.\\\"\",\"url\":\"https:\/\/businessyield.com\/author\/eucharia\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"HOW TO BUILD YOUR CREDIT: Detailed Guide","description":"In conclusion, building your credit is a process that takes time and effort, but it is possible to do with some planning and discipline. However, follow the tips","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/","og_locale":"en_US","og_type":"article","og_title":"HOW TO BUILD YOUR CREDIT: Detailed Guide","og_description":"In conclusion, building your credit is a process that takes time and effort, but it is possible to do with some planning and discipline. However, follow the tips","og_url":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/","og_site_name":"BusinessYield","article_published_time":"2023-02-10T12:21:23+00:00","article_modified_time":"2023-05-02T16:11:50+00:00","og_image":[{"width":678,"height":452,"url":"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg","type":"image\/jpeg"}],"author":"Eucharia Okafor","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Eucharia Okafor","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#article","isPartOf":{"@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/"},"author":{"name":"Eucharia Okafor","@id":"https:\/\/businessyield.com\/#\/schema\/person\/a7010c71c56299be6151ad96f5e77ab2"},"headline":"HOW TO BUILD YOUR CREDIT: Detailed Guide","datePublished":"2023-02-10T12:21:23+00:00","dateModified":"2023-05-02T16:11:50+00:00","mainEntityOfPage":{"@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/"},"wordCount":1762,"commentCount":0,"publisher":{"@id":"https:\/\/businessyield.com\/#organization"},"image":{"@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg","articleSection":["Personal Finance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/","url":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/","name":"HOW TO BUILD YOUR CREDIT: Detailed Guide","isPartOf":{"@id":"https:\/\/businessyield.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#primaryimage"},"image":{"@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg","datePublished":"2023-02-10T12:21:23+00:00","dateModified":"2023-05-02T16:11:50+00:00","description":"In conclusion, building your credit is a process that takes time and effort, but it is possible to do with some planning and discipline. However, follow the tips","breadcrumb":{"@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#primaryimage","url":"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg","contentUrl":"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg","width":678,"height":452,"caption":"Image Credit: 10x Travel"},{"@type":"BreadcrumbList","@id":"https:\/\/businessyield.com\/bs-personal-finance\/how-to-build-your-credit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/businessyield.com\/"},{"@type":"ListItem","position":2,"name":"HOW TO BUILD YOUR CREDIT: Detailed Guide"}]},{"@type":"WebSite","@id":"https:\/\/businessyield.com\/#website","url":"https:\/\/businessyield.com\/","name":"BusinessYield","description":"Helping You grow your business","publisher":{"@id":"https:\/\/businessyield.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/businessyield.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/businessyield.com\/#organization","name":"BusinessYield","url":"https:\/\/businessyield.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/businessyield.com\/#\/schema\/logo\/image\/","url":"https:\/\/businessyield.com\/wp-content\/uploads\/2018\/02\/cropped-busicon.png","contentUrl":"https:\/\/businessyield.com\/wp-content\/uploads\/2018\/02\/cropped-busicon.png","width":512,"height":512,"caption":"BusinessYield"},"image":{"@id":"https:\/\/businessyield.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/businessyield.com\/#\/schema\/person\/a7010c71c56299be6151ad96f5e77ab2","name":"Eucharia Okafor","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/businessyield.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/3b3931da304804e0ea3937284015f372?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3b3931da304804e0ea3937284015f372?s=96&d=mm&r=g","caption":"Eucharia Okafor"},"description":"Eucharia Okafor, a luminary in content creation and business acumen, boasts a rich tapestry of over 10 years of prolific writing and strategic entrepreneurship. With a keen eye for detail and an innate flair for storytelling, Eucharia has captivated audiences worldwide with her thought-provoking articles and insightful business analyses. As a seasoned business expert, Eucharia navigates the ever-changing landscape with finesse, leveraging her keen insights and strategic acumen to drive success in every endeavor. With a track record of turning ideas into reality, she is a trailblazer in entrepreneurship, unafraid to chart new territories and embrace challenges head-on. Beyond the boardroom, Eucharia is a true aficionado of life's adventures. From traversing uncharted paths to immersing herself in diverse cultures, she finds inspiration in the beauty of exploration and the richness of human connection. Whether she's jet-setting to a far-flung destination or engaging in lively discussions with like-minded individuals, Eucharia's zest for life is infectious, igniting a sense of wonder in all who cross her path. So, join Eucharia on her journey as she continues to inspire, innovate, and ignite change \u2013 one word, one idea, and one adventure at a time.\"","url":"https:\/\/businessyield.com\/author\/eucharia\/"}]}},"modified_by":"Peace Freds","jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/businessyield.com\/wp-content\/uploads\/2023\/02\/images-15.jpeg","jetpack_shortlink":"https:\/\/wp.me\/p9I54N-nZI","gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/posts\/92238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/users\/273"}],"replies":[{"embeddable":true,"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/comments?post=92238"}],"version-history":[{"count":10,"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/posts\/92238\/revisions"}],"predecessor-version":[{"id":125548,"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/posts\/92238\/revisions\/125548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/media\/94412"}],"wp:attachment":[{"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/media?parent=92238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/categories?post=92238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessyield.com\/wp-json\/wp\/v2\/tags?post=92238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}