Achieve Top Credit Status Fast Use These Secret Strategies

Become an Authorized User

If you have a family member or friend with a strong credit history, ask to become an authorized user on their credit card. This strategy allows you to benefit from their positive credit history without the responsibility of making payments. Ensure the primary cardholder maintains low balances and pays on time to maximize the benefit to your score⁴.

Consider a Credit Builder Loan

Credit builder loans are designed to help improve your credit score by establishing a positive payment history. These loans are typically small, and the payments are reported to the credit bureaus, helping you build credit over time. Many credit unions and community banks offer these loans with competitive terms⁵.