The Ultimate Guide to Building Credit

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The Ultimate Guide to Building Credit

Want to build credit but don't know where to start? We've come up with the ultimate guide to help you get started. Let's begin!

Why Your Credit Score Matters

Your credit doesn't just impact whether or not you can get a new credit card -- it could also cost or save you thousands of dollars over your lifetime. [Read more]

What Is In a Credit Score?

We'll give you an idea of factors that are commonly used in calculating your credit score and how you might improve it. [Read more]

How to Build Your Credit from Scratch

We'll provide some tips for building credit, including considerations when choosing your first credit card and how you can help get your credit history off to a good start. [Read more]

The Do's and Don'ts of Getting a New Credit Card

Before you apply for a credit card, consider comparing different cards and staying on top of how much credit you are using. [Read more]

3 Credit Card Myths That Could Be Holding You Back Financially

Credit cards can be incredibly handy if you use them responsibly. Here, we'll dispel some common myths to help you use your cards to their full potential. [Read more]

How to Review Your Credit Report

Find your credit reports intimidating? We can shed some light on how they're typically organized and how you can spot errors. [Read more]

How to Dispute an Error on Your Credit Report

What's an error? How do you dispute it? We spell out the process for disputing errors that could be negatively impacting your score. [Read more]

Top 5 Credit Misconceptions Debunked

There are a variety of credit myths floating out there, and we've debunked five of the most confusing ones. [Read more]

How to Use Credit Karma to Monitor and Build Your Credit

We're here to guide you along your credit journey, providing various tools to help you learn about and manage your credit. Here's a quick introduction to some of the features you may find. [Read more]

We hope you've found this guide useful! Great credit health can make a substantial difference in your life, so take control of it today.

About the Author: Jenna Lee is Credit Karma's Social Media Manager. Although her specialty lies in creating witty post-it notes, she also enjoys sharing all the financial information she's learned since joining Credit Karma in February 2012. When she's not working, you can probably find her trying out a new dessert recipe or learning/perfecting any musical instrument she can get her hands on. Say "hi" @leejennaa!

Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.

Advertiser Disclosure: We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

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Helpful to 1 out of 1 people

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I need looking my score, please

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