Building your credit score

Started by Deleted user
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Deleted user

Taking a small loan out and paying it back over time helps your credit alot, also secured credit cards and keep you balance low…Experian boost too…

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Dominique S.

Taking a small loan would help if u could get approved in the 1st place

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Manuel M.

I went to my local Credit Union where I have a checking and savings account and I was approved for a special loan where they loan me $500 but give me access to this money a small amount at a time, the monthly amount I pay off. Then they report this to the credit Bureaus and if I don't touch this money I'll have it saved by the end of the year in my savings account.

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Carlo B.

Best way is to Always make on time payments. Its credit but not actual money

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James H.

Even a small loan may charge interest. We have to be careful about how much we're paying the bank to build credit.
Another option is to open a credit card. Credit cards only charge interest if you do not pay the full statement balance.
If you use it for one small purchase a month (buying a tank of gas), and pay off the purchase right away, then you're able to build credit without paying interest to the bank :)

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Diandra J.

Missing a payment is detrimental to your credit score. So you could make payments twice a month or every time you get paid.

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Kaitlin S.

I have bad credit due to student loans. I was doing good at first paying on them, but then I eventually just stopped all together. Its been especially hard with the pandemic and finding work. I also have two kids, and have to pay bills ect. I have applied for so many different loans online because I can not get approved from bank, and I still can't get approved. Are there any sites that anyone knows where I can get approved for a small loan?

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