{"id":1057,"date":"2020-12-17T16:29:34","date_gmt":"2020-12-17T16:29:34","guid":{"rendered":"https:\/\/www.lendnation.com\/tips-to-build-a-good-credit-score\/"},"modified":"2025-08-13T20:48:03","modified_gmt":"2025-08-13T20:48:03","slug":"tips-to-build-a-good-credit-score","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/tips-to-build-a-good-credit-score\/","title":{"rendered":"Tips To Build A Good Credit Score"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2020-12-17T16:29:34+00:00\">December, 2020<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Tips To Build A Good Credit Score<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_36125281.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_36125281.jpg 4992w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_36125281.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_36125281.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_36125281.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_36125281.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_36125281.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/12\/shutterstock_36125281.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>The day has finally come. You\u2019re ready to apply for a credit card so you can start building good credit. But it turns out you can\u2019t get one <em>because<\/em> you need good credit in order to qualify. It\u2019s a vicious, inconvenient cycle many Americans know all too well, and it\u2019s one that has them asking, \u201cWhere do I begin?\u201d<\/p>\n\n\n\n<p>That\u2019s why <a href=\"https:\/\/www.lendnation.com\/\">LendNation<\/a> is offering some tips for building good credit from scratch so you can begin building a strong path towards a future in which you can make bigger life purchases, such as a car or a home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-start-small-0\">Start Small<\/h2>\n\n\n\n<p>If you\u2019re just beginning to build your credit, it\u2019s important to start small and start simple. This will not only get you on the right track to a good <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/credit-score\/\">credit score<\/a>, but it will also help you build good habits to manage your spending and stay out of debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-consider-a-secured-credit-card\">Consider a Secured Credit Card<\/h3>\n\n\n\n<p>A secured credit card is a great option for those who have no or bad credit. It\u2019s different from a typical credit card in that your limit isn\u2019t very high and you have to pay a deposit in order to be approved. The lender then uses that deposit as collateral. If you miss any payments or your account goes delinquent, they keep it. If you stay on track and keep your account in good standing for a number of months, you\u2019ll get that money back while simultaneously building your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-get-an-in-store-credit-card\">Get an In-Store Credit Card<\/h3>\n\n\n\n<p>An in-store credit card can be a great alternative to standard credit cards. Oftentimes, there are fewer or less-strict requirements, making it easier to get approved. Keep in mind though that spending limits are usually lower and interest rates a bit higher. But if you\u2019re focusing on building good credit, you should use the in-store credit card as an opportunity to only spend within your means instead of going on a shopping spree. For example, if you know there\u2019s a $50 item you want to purchase in the store, set that money aside <em>before<\/em> you charge it to your credit card. That way you\u2019ll be ready to pay for it when your payment is due.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pay-on-time\">Pay On Time<\/h3>\n\n\n\n<p>One of the major factors in your credit score is on-time payments. It may not seem like a big deal to miss a payment by a day or two, but credit companies will notice and dock you for it. What\u2019s more, a missed payment can linger on your credit score for a few years. Here are some ways to ensure your payments are on time:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Set your bills on autopay. <\/strong>One of the simplest ways to ensure you don\u2019t miss a payment is to set all your bills on autopay. That way you never have to worry about missing a payment and hindering your credit score.<\/li>\n\n\n\n<li><strong>Set reminders. <\/strong>Use apps, alarms, or alerts on your phone to remind you of when a payment is due.<\/li>\n\n\n\n<li><strong>Change payment due dates if necessary. <\/strong>Having automatic payments can be tough for those who may not have enough in their bank account or don\u2019t get paid at the time their bills are due. Many companies allow you to change your due date to a date that works better for you. You can usually change these in your online accounts, or simply give them a call to see what you can work out.\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-set-limits-for-yourself\">Set Limits for Yourself<\/h2>\n\n\n\n<p>If you\u2019ve taken out an online loan or a credit card to build your credit, you\u2019ve already been given a spending limit from the lender. But something to consider in addition to that is setting a spending limit <em>yourself<strong>. <\/strong><\/em>It can be easy to get swipe-happy and spend beyond your means, which can quickly deter all the work you\u2019ve done to build good credit. There are a few simple ways to set limits for yourself while simultaneously building good habits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-only-swipe-when-you-can-afford-to\">Only Swipe When You Can Afford To<\/h3>\n\n\n\n<p>When it comes to building your credit with a credit card, it\u2019s important to stay within your means. If you charge too much too soon, you\u2019ll find yourself with a balance you can\u2019t afford to pay off, sending your numbers in the wrong direction.<\/p>\n\n\n\n<p>As mentioned above, try to swipe your card only when you can afford to. You can do that by setting the money aside <em>first<\/em>, then using that the following month when it\u2019s time to pay your bill. Or, if you\u2019re in a situation where you can\u2019t afford to set the money aside first, make sure you work it into the following month\u2019s budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-try-to-pay-off-your-entire-balance-each-month\">Try to Pay Off Your Entire Balance Each Month<\/h3>\n\n\n\n<p>Using the tip above goes hand-in-hand with paying off your entire balance each month. Doing this not only helps build great credit, but it ensures you don\u2019t get slapped with high interest when you carry your balance over into the next month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-keep-your-credit-utilization-below-30\">Keep Your Credit Utilization Below 30%<\/h3>\n\n\n\n<p>Your credit utilization \u2013 how much available credit you\u2019re using \u2013 is another big factor when it comes to calculating your credit score. If you can\u2019t manage to pay off your entire balance each month, work to keep your utilization below 30%. For example, if you have a credit card with a $1,000 limit, always try to keep your balance below $300. This shows credit companies that you\u2019re staying within your means, which is a quality they value in borrowers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-credit-you-deserve\">The Credit You Deserve<\/h2>\n\n\n\n<p>At LendNation, we understand that life oftentimes doesn\u2019t wait for you to have good credit when it requires you to cough up a lot of money at once. When you don\u2019t have an emergency savings or credit card to help when you\u2019re in a tough spot, turn to LendNation for a <a href=\"https:\/\/www.lendnation.com\/about-us\">quick cash solution<\/a>.<\/p>\n\n\n\n<p>You can get a loan at LendNation with less-than-perfect credit. We\u2019re determined to help you get money when you need it most. We offer title loans, installment loans and payday loans to get you cash fast. You can easily <a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">apply online<\/a> or stop by one of our <a href=\"https:\/\/www.lendnation.com\/location\/search?q=\">many locations<\/a> for help while you continue to successfully build your credit score and secure a strong financial future.<\/p>\n\n\n\n<p><strong>Resources <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-get-and-keep-a-good-credit-score-en-318\/\">https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-get-and-keep-a-good-credit-score-en-318\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/improving-credit\/improve-credit-score\/\">https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/improving-credit\/improve-credit-score\/<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11594 post type-post status-publish format-standard has-post-thumbnail hentry category-loans tag-apply-online tag-bad-credit-loans tag-budget-tips tag-fast-loans tag-instant-loan tag-loan-approval tag-payday-loan-online tag-personal-loans-bad-credit\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Top 5 Myths About Online Loans Debunked<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-04-09T19:36:08+00:00\">April, 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sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/missouri-title-loans-guide\/\" target=\"_self\" >Everything You Need to Know About Missouri Title Loans<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Securing a credit card or loan can be tough when you don&#8217;t have any credit to begin with. LendNation breaks down the basics of how to build a good credit score.<\/p>\n","protected":false},"author":18,"featured_media":1465,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Tips To Build A Good Credit Score - LendNation<\/title>\n<meta name=\"description\" content=\"Securing a credit card or loan can be tough when you don&#039;t have any credit to begin with. 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