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How to Effectively Build Credit


Building credit is important for consumers who plan to eventually make large purchases, such as a house or a car.
Here are 5 tips on how to effectively build credit:

1. Get a secured credit card
If you have no credit history, you may not qualify for a “normal” credit card, so a secured card is another option.

2. Open a credit card
If you can get a regular credit card, make small charges on it and pay the balance off in full every month.

3. Become an authorized user
If you’re a student, you should consider becoming an authorized user on someone else’s account, such as a parent, to build credit.

4. Request a credit limit increase
Having a higher limit lowers the credit utilization rate and increases your credit score.  

5. Practice good habits
Make all of your payments on time and in full.
Building a good score can take several months of on-time payments.


American Consumer Credit Counseling (ACCC) is a leading source for personalized debt management advice and programs to consolidate your debt. If you are interested in consolidating debts, contact one of ACCC's credit advisors to learn how to consolidate bills without having to take a consolidation loan as would be suggested by some other debt relief agencies. As a Better Business Bureau accredited credit counseling agency, you can count on ACCC for fair and honest help with credit issues. We are also approved by the Department of Justice to provide pre-bankruptcy counseling and post-bankruptcy credit counseling courses.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member