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establish Your Credit Score FAST

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Gotcha!  You're new to credit and need to establish your credit score fast.  The best way to do that is to establish a line of credit and make your payments on time.  We recommend Fingerhut for this since it's free to start and easy to use.  You can buy little, low-cost items on there similar to how you'd shop on Amazon, but it will establish your credit.  You can also "borrow" the credit history of an established credit card account by buying a tradeline, which is our option 2.   You DON'T have to wait months or years to establish a credit score. The strategies below work fast!

Our top picks for 

Establishing Your Credit Score Fast

#1


​Credit Solution:​ Merchandise Account

​Quick video on how it works

  • Speed: 30 Days
  • Estimated Credit Impact: ​20 To 40* Points
  • Cost To Start: $0 ​

#2


​Credit Solution:  ​Authorized User Tradeline

  • Speed: 30 Days
  • Estimated Credit Impact: ​40 To 100* Points
  • Cost To Start: $150.00


​Additional top picks for 

Establishing Your Credit Score

#3


​Credit Solution:  ​Rent Reporting

​How it works in 60 seconds

  • Speed: 30 - 60 Days
  • Estimated Credit Impact: ​20 To 40* Points
  • Cost To Start: $10.00

#4


​Credit Solution:  ​Credit Builder Loan

​How it works in 60 seconds

  • Speed: 60 Days
  • Estimated Credit Impact: ​15 To 30* Points
  • Cost To Start: ​Under $8.00 

#5


​Credit Solution:  Secured Credit Card

  • Speed: 30 Days
  • Estimated Credit Impact: ​20 To 50* Points
  • Cost To Start: $200 Deposit

* All score improvements are estimates and will vary by individual.  The higher estimated credit score number is for someone with a thin credit file that is new to credit or has limited credit. The lower number is someone with a thicker credit file that has bad credit.