How to increase credit score quickly

Having a good credit score opens the door to a world of opportunities, not to mention lower interest rates when you borrow money. Unfortunately, we’re not born with a high credit score—we must build one.

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So, how do you build your credit? First, let’s look at the importance of building credit as early as possible and some key considerations to think about. Then, we’ll break down six tips to help you start your credit-building journey. 

The importance of learning how to build credit early 

Consider starting to build credit at 18 or younger if you can.

The earlier you start using credit responsibly, the faster you build a longer credit history—a crucial factor in determining your creditworthiness. A long, positive credit history demonstrates to lenders that you can manage debt reliably over time.  

Building credit in your early to late teens or twenties helps you establish a solid financial foundation before facing major life milestones like buying a car, renting an apartment, applying for a mortgage, or even getting a job.

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