How to Build Your Credit:
Remember, if you have a problematic credit history, building credit can take some time. Here are some steps to help you build your credit.
- Get a copy of your credit report and review it for errors. Take action to address any errors
you find. - Apply for a small loan at the bank, thrift, or credit union where you have checking and
savings accounts. - Apply for credit with a local store, such as a department store. They typically have a
lower credit limit and a higher annual percentage rate (APR), but are generally more
willing to lend you money. There is usually no fee for department store cards.
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