{"id":15520,"date":"2023-03-30T14:45:26","date_gmt":"2023-03-30T12:45:26","guid":{"rendered":"https:\/\/www.recharge.com\/blog?p=15520"},"modified":"2023-07-11T13:54:03","modified_gmt":"2023-07-11T11:54:03","slug":"how-to-build-credit-fast","status":"publish","type":"post","link":"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast","title":{"rendered":"How to build credit fast"},"content":{"rendered":"<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;It\u2019s not unusual to have problems getting credit if you\u2019re young, have just moved to a new country or have had money problems in the past. But don\u2019t worry. You can easily build credit fast by following a few simple tips.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">It\u2019s not unusual to have problems getting credit if you\u2019re young, have just moved to a new country or have had money problems in the past. But don\u2019t worry. You can easily build credit fast by following a few simple tips.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Why is it important to build your credit score?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:14,&quot;17&quot;:1}\">Why is it important to build your credit score?<\/span><\/h2>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Your credit score tells companies how risky it is to lend to you. If you have a bad credit score or don\u2019t have a credit history, it can mean:&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Your credit score tells companies how risky it is to lend to you. If you have a bad credit score or don\u2019t have a credit history, it can mean:<\/span><\/p>\n<ul>\n<li><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u00b7 You pay more. Companies may ask you to pay a higher interest rate if you\u2019re a risky borrower.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;17&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:17,&quot;2&quot;:{&quot;5&quot;:0}}\"><strong>You pay more.<\/strong> Companies may ask you to pay a higher interest rate if you\u2019re a risky borrower.<\/span><\/li>\n<li><strong>You have fewer payment options.<\/strong> The most flexible payment options are usually offered to people with a good credit score. Without one, you might have to pay up front.<\/li>\n<li><strong>A company will refuse to offer you a product or service.<\/strong> In some cases, you\u2019ll be turned down if you have a bad credit history.<\/li>\n<\/ul>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;A good credit score can save up to \u00a32,690 a year in interest, according to Credit Karma.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">A good credit score can save up to \u00a32,690 a year in interest, according to Credit Karma.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Whether you\u2019re a student, young professional or a new immigrant, a poor credit score can make life more difficult than it needs to be. Keep reading to find out how to build credit.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Whether you\u2019re a student, young professional or a new immigrant, a poor credit score can make life more difficult than it needs to be. Keep reading to find out how to build credit.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;What is a credit score?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:14,&quot;17&quot;:1}\">What is a credit score?<\/span><\/h2>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The main credit reference agencies in the UK are:&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">The main credit reference agencies in the UK are:<\/span><\/p>\n<ul>\n<li><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u00b7 Experian&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Experian<\/span><\/li>\n<li>Equifax<\/li>\n<li>TransUnion<\/li>\n<\/ul>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;They all use different scales, but your score will usually fall into one of five different categories: excellent, good, fair, bad and very bad.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">They all use different scales, but your score will usually fall into one of five different categories: excellent, good, fair, bad and very bad.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The number of your credit score will be different at each of the agencies, but your category will probably be the same.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">The number of your credit score will be different at each of the agencies, but your category will probably be the same.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Here\u2019s how each of the main agencies score the top three categories:&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Here\u2019s how each of the main agencies score the top three categories:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-14520\" src=\"https:\/\/creativegroup-blog-prd-eu-west-1-recharge-blog.s3.eu-west-1.amazonaws.com\/blog\/wp-content\/uploads\/2023\/03\/16141530\/main_agencies_score_RE-300x58.png\" alt=\"main agencies score\" width=\"300\" height=\"58\" srcset=\"https:\/\/creativegroup-blog-prd-eu-west-1-recharge-blog.s3.eu-west-1.amazonaws.com\/blog\/wp-content\/uploads\/2023\/03\/16141530\/main_agencies_score_RE-300x58.png 300w, https:\/\/creativegroup-blog-prd-eu-west-1-recharge-blog.s3.eu-west-1.amazonaws.com\/blog\/wp-content\/uploads\/2023\/03\/16141530\/main_agencies_score_RE.png 617w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Any score below these is bad and may affect your chances of getting mobile phone contracts, loans, credit cards or mortgages, even if you have the money to pay for them.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Any score below these is bad and may affect your chances of getting mobile phone contracts, loans, credit cards or mortgages, even if you have the money to pay for them.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;In Ireland, credit information is managed by the government through the Central Credit Register.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">In Ireland, credit information is managed by the government through the Central Credit Register.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Can you build your credit score without a credit card?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:14,&quot;17&quot;:1}\">Can you build your credit score without a credit card?<\/span><\/h2>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Yes. If you want to build a credit score from scratch or improve your credit report, there are lots of things you can do even without a credit card. These include:&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Yes. If you want to build a credit score from scratch or improve your credit report, there are lots of things you can do even without a credit card. These include:<\/span><\/p>\n<ul>\n<li><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u00b7 registering to vote at your current address&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Registering to vote at your current address.<\/span><\/li>\n<li>Opening a bank account.<\/li>\n<li>Setting up direct debits for gas and electricity bills and other regular payments.<\/li>\n<li>Always paying on time and avoiding going into overdraft.<\/li>\n<\/ul>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;All of these show up on your credit report and will build your credit score. But it will take time. Staying at the same address and with the same bank will both help you to get a good credit score, and so will a clean history of paying bills. The longer the better.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">All of these show up on your credit report and will build your credit score. But it will take time. Staying at the same address and with the same bank will both help you to get a good credit score, and so will a clean history of paying bills. The longer the better.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Before you get a credit card or bank account, you can still enjoy the flexibility of shopping online with a prepaid credit card. These can also be a good way to manage your spending as you find your feet after graduation or arriving in a new country.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1325825,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;21&quot;:0,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:108,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:127}\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:108,&quot;2&quot;:&quot;https:\/\/www.recharge.com\/en-gb\/ie\/prepaid-credit-cards&quot;}\uee10{&quot;1&quot;:127}\">Before you get a credit card or bank account, you can still enjoy the flexibility of shopping online with a <a class=\"in-cell-link\" href=\"https:\/\/www.recharge.com\/en-gb\/ie\/prepaid-credit-cards\" target=\"_blank\" rel=\"noopener\">prepaid credit card<\/a>. These can also be a good way to manage your spending as you find your feet after graduation or arriving in a new country.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;There is no risk of hurting your credit score by using a prepaid card and they can be a useful way of staying within your budget as you work towards a good credit score.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">There is no risk of hurting your credit score by using a prepaid card and they can be a useful way of staying within your budget as you work towards a good credit score.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Prepaid cards can also help to protect your online privacy and reduce your chances of becoming a victim of online fraud by allowing you to make secure and anonymous payments. If you're interested in a prepaid credit card, some of the popular choices are BITSA and paysafecard.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1325825,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;21&quot;:0,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:254,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:259}\uee10{&quot;1&quot;:264,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:275}\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:254,&quot;2&quot;:&quot;https:\/\/www.recharge.com\/en-gb\/ie\/bitsa&quot;}\uee10{&quot;1&quot;:259}\uee10{&quot;1&quot;:264,&quot;2&quot;:&quot;https:\/\/www.recharge.com\/en-gb\/ie\/paysafecard&quot;}\uee10{&quot;1&quot;:275}\">Prepaid cards can also help to protect your online privacy and reduce your chances of becoming a victim of online fraud by allowing you to make secure and anonymous payments. If you&#8217;re interested in a prepaid credit card, some of the popular choices are <a class=\"in-cell-link\" href=\"https:\/\/www.recharge.com\/en-gb\/ie\/bitsa\" target=\"_blank\" rel=\"noopener\">BITSA<\/a> and <a class=\"in-cell-link\" href=\"https:\/\/www.recharge.com\/en-gb\/ie\/paysafecard\" target=\"_blank\" rel=\"noopener\">paysafecard<\/a>.<\/span><\/p>\n<p><button type=\"button\" class=\"btn btn-success\"><a rel=\"noreferrer\" class=\"button pbtn-link\" rel=\"noreferrer\" href=\"https:\/\/www.recharge.com\/en\/us\/paysafecard\">Buy paysafecard online<\/a><\/button> <button type=\"button\" class=\"btn btn-success\"><a rel=\"noreferrer\" class=\"button pbtn-link\" rel=\"noreferrer\" href=\"https:\/\/www.recharge.com\/en\/us\/bitsa\">Buy BITSA online<\/a><\/button><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Can you build a credit score with a debit card?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:14,&quot;17&quot;:1}\">Can you build a credit score with a debit card?<\/span><\/h2>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Sort of. Most debit cards don\u2019t show up on a credit report or help build your credit score, but you can get credit-building prepaid cards that will help to build credit fast, whether you\u2019re starting from scratch or looking to repair your credit history.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Sort of. Most debit cards don\u2019t show up on a credit report or help build your credit score, but you can get credit-building prepaid cards that will help to build credit fast, whether you\u2019re starting from scratch or looking to repair your credit history.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Providers will still check your credit score, but these cards are designed for people with poor credit histories. Even so, it\u2019s worth trying some of the other steps to build your credit score before applying.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Providers will still check your credit score, but these cards are designed for people with poor credit histories. Even so, it\u2019s worth trying some of the other steps to build your credit score before applying.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Credit-building cards are not free. That\u2019s because these cards work by \u201clending\u201d you an annual fee, which you then pay off each month. If you keep up the payments, you could see your credit score improve after as little as three months.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Credit-building cards are not free. That\u2019s because these cards work by \u201clending\u201d you an annual fee, which you then pay off each month. If you keep up the payments, you could see your credit score improve after as little as three months.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;After a year, you can keep using the card with or without the credit-building feature.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">After a year, you can keep using the card with or without the credit-building feature.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Three ways to build credit fast&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:14,&quot;17&quot;:1}\">Three ways to build credit fast<\/span><\/h2>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;If you want to know how to build credit fast, follow these three tips:&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">If you want to know how to build credit fast, follow these three tips:<\/span><\/p>\n<ol>\n<li><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;1. Fix mistakes in your credit report&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:64257,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;17&quot;:1,&quot;18&quot;:1}\">Fix mistakes in your credit report.<\/span><\/li>\n<li>Get more credit.<\/li>\n<li>Self-report your payments.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Tip 1: Fix mistakes in your credit report. &quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:14,&quot;17&quot;:1}\">Tip 1: Fix mistakes in your credit report<\/span><\/h2>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Fixing mistakes in your credit report is the easiest way to build credit fast. It\u2019s free to check your credit history and you have a legal right to know it, so you should always start here.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Fixing mistakes in your credit report is the easiest way to build credit fast. It\u2019s free to check your credit history and you have a legal right to know it, so you should always start here.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;If there are any mistakes or your address is wrong (even a typo can matter), get in touch with the company and ask them to put it right. And don\u2019t be afraid to dispute any negative information that you think is wrong.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">If there are any mistakes or your address is wrong (even a typo can matter), get in touch with the company and ask them to put it right. And don\u2019t be afraid to dispute any negative information that you think is wrong.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Also check to make sure you\u2019re on the electoral roll and listed at the right address \u2014 even if you\u2019re living with your parents or in shared accommodation.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Also check to make sure you\u2019re on the electoral roll and listed at the right address \u2014 even if you\u2019re living with your parents or in shared accommodation.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can even put a better light on missed payments or other problems in your credit history. If you were ill or lost your job, for example, you can contact the credit agencies and ask for a Notice of Correction to explain any special circumstances that may have affected your history.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">You can even put a better light on missed payments or other problems in your credit history. If you were ill or lost your job, for example, you can contact the credit agencies and ask for a Notice of Correction to explain any special circumstances that may have affected your history.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Your credit report will also show any personal connections who are affecting your credit (positively or negatively). Make sure these are up to date and consider if a change in circumstances, such as moving out of shared accommodation, could help.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Your credit report will also show any personal connections who are affecting your credit (positively or negatively). Make sure these are up to date and consider if a change in circumstances, such as moving out of shared accommodation, could help.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;If there is anything on your report that you don\u2019t recognise, such as a loan you didn\u2019t take out, you may have been the victim of fraud. This can obviously affect your credit score. You should contact the police to report this and follow their advice.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1325825,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;21&quot;:0,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:192,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:211}\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:192,&quot;2&quot;:&quot;https:\/\/www.actionfraud.police.uk\/&quot;}\uee10{&quot;1&quot;:211}\">If there is anything on your report that you don\u2019t recognise, such as a loan you didn\u2019t take out, you may have been the victim of fraud. This can obviously affect your credit score. You should<a class=\"in-cell-link\" href=\"https:\/\/www.actionfraud.police.uk\/\" target=\"_blank\" rel=\"noopener\"> contact the police<\/a> to report this and follow their advice.<\/span><\/p>\n<h4><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;How to get your credit report&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;17&quot;:1}\">How to get your credit report<\/span><\/h4>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The easiest way is to get a free statutory credit report through any of the credit agencies. This will show all the basic information included in your credit history and will highlight any problems.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">The easiest way is to get a free statutory credit report through any of the credit agencies. This will show all the basic information included in your credit history and will highlight any problems.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;This usually supplies enough information if you just want to build credit fast. But if you want to see your score you can use the tools provided by each of the credit agencies at their websites:&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">This usually supplies enough information if you just want to build credit fast. But if you want to see your score you can use the tools provided by each of the credit agencies at their websites:<\/span><\/p>\n<ul>\n<li><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u00b7 Experian&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:277249,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;21&quot;:1}\" data-sheets-hyperlink=\"https:\/\/www.experian.co.uk\/consumer\/index.html\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:3,&quot;2&quot;:&quot;https:\/\/www.experian.co.uk\/consumer\/index.html&quot;}\uee10{&quot;1&quot;:11}\"><a class=\"in-cell-link\" href=\"https:\/\/www.experian.co.uk\/consumer\/index.html\" target=\"_blank\" rel=\"noopener\">Experian<\/a><\/span><\/li>\n<li><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u00b7 Equifax&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:277249,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;21&quot;:1}\" data-sheets-hyperlink=\"https:\/\/www.equifax.co.uk\/Products\/credit\/credit-score.html\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:3,&quot;2&quot;:&quot;https:\/\/www.equifax.co.uk\/Products\/credit\/credit-score.html&quot;}\uee10{&quot;1&quot;:10}\"><a class=\"in-cell-link\" href=\"https:\/\/www.equifax.co.uk\/Products\/credit\/credit-score.html\" target=\"_blank\" rel=\"noopener\">Equifax<\/a><\/span><\/li>\n<li><a class=\"in-cell-link\" href=\"https:\/\/www.transunion.co.uk\/consumer\/get-your-credit-report\" target=\"_blank\" rel=\"noopener\">TransUnion<\/a><\/li>\n<\/ul>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;These tools can also show you how to build credit, but not all of them are free.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">These tools can also show you how to build credit, but not all of them are free.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Tip 2: Get more credit. &quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:14,&quot;17&quot;:1}\">Tip 2: Get more credit<\/span><\/h2>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;It might sound strange but having lots of credit is key to a good credit score. It\u2019s not as daft as it sounds. If lots of other companies are willing to lend to you, it shows that you\u2019re a good borrower who probably pays their bills.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15171,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;9&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">It might sound strange but having lots of credit is key to a good credit score. It\u2019s not as daft as it sounds. If lots of other companies are willing to lend to you, it shows that you\u2019re a good borrower who probably pays their bills.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Getting a credit card, if you can, is the surest way to build credit fast. The higher the credit limit, the more it will build your credit score. Just make sure to keep your balance low.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Getting a credit card, if you can, is the surest way to build credit fast. The higher the credit limit, the more it will build your credit score. Just make sure to keep your balance low.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Credit agencies recommend that you should use less than 30% of your limit. So, if your card has a credit limit of \u00a31,000, try to always keep your balance less than \u00a3300. This is because the credit agencies could update their records before you make your monthly payment, so it\u2019s safest to always stay below the 30% level. Try to get a higher limit if 30% is too low.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">Credit agencies recommend that you should use less than 30% of your limit. So, if your card has a credit limit of \u00a31,000, try to always keep your balance less than \u00a3300. This is because the credit agencies could update their records before you make your monthly payment, so it\u2019s safest to always stay below the 30% level. Try to get a higher limit if 30% is too low.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Tip 3: Self-report your payments. &quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;17&quot;:1}\">Tip 3: Self-report your payments<\/span><\/h2>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;If you don\u2019t have a credit card, self-reporting some of your regular payments can help show that you\u2019re financially responsible.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">If you don\u2019t have a credit card, self-reporting some of your regular payments can help show that you\u2019re financially responsible.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Experian Boost is a free tool that lets you share information about your regular spending with the UK\u2019s biggest credit agency, including digital subscriptions such as Netflix and Spotify, as well as Council Tax payments and contributions to a savings account.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1325825,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;21&quot;:0,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:14}\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:0,&quot;2&quot;:&quot;https:\/\/www.experian.co.uk\/consumer\/experian-boost.html&quot;}\uee10{&quot;1&quot;:14}\"><a class=\"in-cell-link\" href=\"https:\/\/www.experian.co.uk\/consumer\/experian-boost.html\" target=\"_blank\" rel=\"noopener\">Experian Boost<\/a> is a free tool that lets you share information about your regular spending with the UK\u2019s biggest credit agency, including digital subscriptions such as Netflix and Spotify, as well as Council Tax payments and contributions to a savings account.<\/span><\/p>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Another choice is CreditLadder, which lets you report your rent payments to one of the major credit reference agencies for free. You\u2019ll have to pay to report to all three but improving your score at one agency is a good start.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1325825,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12,&quot;21&quot;:0,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:18,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:30}\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:18,&quot;2&quot;:&quot;https:\/\/www.creditladder.co.uk\/&quot;}\uee10{&quot;1&quot;:30}\">Another choice is <a class=\"in-cell-link\" href=\"https:\/\/www.creditladder.co.uk\/\" target=\"_blank\" rel=\"noopener\">CreditLadder<\/a>, which lets you report your rent payments to one of the major credit reference agencies for free. You\u2019ll have to pay to report to all three but improving your score at one agency is a good start.<\/span><\/p>\n<h4><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Mistakes to avoid when trying to build credit score&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:31489,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:14,&quot;17&quot;:1}\">Mistakes to avoid when trying to build credit score<\/span><\/h4>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;It\u2019s easy to make mistakes if you aren\u2019t sure about how to build credit your score. Avoid these pitfalls:&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15105,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:12}\">It\u2019s easy to make mistakes if you aren\u2019t sure about how to build credit your score. Avoid these pitfalls:<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you\u2019re young, new to the country or have had money problems in the past, building credit fast is easy.<\/p>\n","protected":false},"author":3,"featured_media":15523,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cos_headline_score":0,"cos_seo_score":0,"cos_headline_text":"How to build credit fast","cos_headline_has_been_analyzed":false,"cos_last_analyzed_headline":[],"_hreflang_tags":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[171],"tags":[301,332],"class_list":["post-15520","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-smart-spending-en","tag-feature-en","tag-interest-en"],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.4 (Yoast SEO v21.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to build credit fast, even without a credit card<\/title>\n<meta name=\"description\" content=\"Whether you\u2019re young, new to the country or have had money problems in the past, building credit fast is easy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to build credit fast\" \/>\n<meta property=\"og:description\" content=\"Whether you\u2019re young, new to the country or have had money problems in the past, building credit fast is easy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast\" \/>\n<meta property=\"og:site_name\" content=\"Recharge Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-30T12:45:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-11T11:54:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/creativegroup-blog-prd-eu-west-1-recharge-blog.s3.eu-west-1.amazonaws.com\/blog\/wp-content\/uploads\/2023\/03\/30142823\/how_to_build_credit_fast_RE.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1364\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kristina Kalpaklieva\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast\",\"url\":\"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast\",\"name\":\"How to build credit fast, even without a credit card\",\"isPartOf\":{\"@id\":\"https:\/\/www.recharge.com\/blog\/en\/#website\"},\"datePublished\":\"2023-03-30T12:45:26+00:00\",\"dateModified\":\"2023-07-11T11:54:03+00:00\",\"author\":{\"@id\":\"https:\/\/www.recharge.com\/blog\/en\/#\/schema\/person\/316c6e2757d81bb1c3a03010d5bf9471\"},\"description\":\"Whether you\u2019re young, new to the country or have had money problems in the past, building credit fast is easy.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.recharge.com\/blog\/en\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to build credit fast\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.recharge.com\/blog\/en\/#website\",\"url\":\"https:\/\/www.recharge.com\/blog\/en\/\",\"name\":\"Recharge Blog\",\"description\":\"Everything about online safety, smart spending &amp; your digital lifestyle.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.recharge.com\/blog\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.recharge.com\/blog\/en\/#\/schema\/person\/316c6e2757d81bb1c3a03010d5bf9471\",\"name\":\"Kristina Kalpaklieva\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.recharge.com\/blog\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ad1b1f6f5c7945891cbd65496fc3617e81d5d291dd96b4533c976a169712478b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ad1b1f6f5c7945891cbd65496fc3617e81d5d291dd96b4533c976a169712478b?s=96&d=mm&r=g\",\"caption\":\"Kristina Kalpaklieva\"},\"description\":\"Curious about all things digital. Loves discovering and sharing tips and tricks to help anyone anywhere stay safe and connected online.\",\"url\":\"https:\/\/www.recharge.com\/blog\/en\/author\/kristina\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How to build credit fast, even without a credit card","description":"Whether you\u2019re young, new to the country or have had money problems in the past, building credit fast is easy.","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:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast","og_locale":"en_US","og_type":"article","og_title":"How to build credit fast","og_description":"Whether you\u2019re young, new to the country or have had money problems in the past, building credit fast is easy.","og_url":"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast","og_site_name":"Recharge Blog","article_published_time":"2023-03-30T12:45:26+00:00","article_modified_time":"2023-07-11T11:54:03+00:00","og_image":[{"width":2048,"height":1364,"url":"https:\/\/creativegroup-blog-prd-eu-west-1-recharge-blog.s3.eu-west-1.amazonaws.com\/blog\/wp-content\/uploads\/2023\/03\/30142823\/how_to_build_credit_fast_RE.jpg","type":"image\/jpeg"}],"author":"Kristina Kalpaklieva","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast","url":"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast","name":"How to build credit fast, even without a credit card","isPartOf":{"@id":"https:\/\/www.recharge.com\/blog\/en\/#website"},"datePublished":"2023-03-30T12:45:26+00:00","dateModified":"2023-07-11T11:54:03+00:00","author":{"@id":"https:\/\/www.recharge.com\/blog\/en\/#\/schema\/person\/316c6e2757d81bb1c3a03010d5bf9471"},"description":"Whether you\u2019re young, new to the country or have had money problems in the past, building credit fast is easy.","breadcrumb":{"@id":"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.recharge.com\/blog\/en\/us\/how-to-build-credit-fast#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.recharge.com\/blog\/en"},{"@type":"ListItem","position":2,"name":"How to build credit fast"}]},{"@type":"WebSite","@id":"https:\/\/www.recharge.com\/blog\/en\/#website","url":"https:\/\/www.recharge.com\/blog\/en\/","name":"Recharge Blog","description":"Everything about online safety, smart spending &amp; your digital lifestyle.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.recharge.com\/blog\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en"},{"@type":"Person","@id":"https:\/\/www.recharge.com\/blog\/en\/#\/schema\/person\/316c6e2757d81bb1c3a03010d5bf9471","name":"Kristina Kalpaklieva","image":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.recharge.com\/blog\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ad1b1f6f5c7945891cbd65496fc3617e81d5d291dd96b4533c976a169712478b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ad1b1f6f5c7945891cbd65496fc3617e81d5d291dd96b4533c976a169712478b?s=96&d=mm&r=g","caption":"Kristina Kalpaklieva"},"description":"Curious about all things digital. Loves discovering and sharing tips and tricks to help anyone anywhere stay safe and connected online.","url":"https:\/\/www.recharge.com\/blog\/en\/author\/kristina"}]}},"jetpack_featured_media_url":"https:\/\/creativegroup-blog-prd-eu-west-1-recharge-blog.s3.eu-west-1.amazonaws.com\/blog\/wp-content\/uploads\/2023\/03\/30142823\/how_to_build_credit_fast_RE.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/posts\/15520","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/comments?post=15520"}],"version-history":[{"count":7,"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/posts\/15520\/revisions"}],"predecessor-version":[{"id":15532,"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/posts\/15520\/revisions\/15532"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/media\/15523"}],"wp:attachment":[{"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/media?parent=15520"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/categories?post=15520"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.recharge.com\/blog\/en\/wp-json\/wp\/v2\/tags?post=15520"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}