skip to main content
OppLoansOppUArticlesBuilding Credit

See the results of our 2022 Personal Finance Study!

Building Credit

Paying off your credit card balance in full, maintaining a good debt utilization ratio, and paying your debts on time can help build your credit score.

Improving your credit score is generally a slow process. There’s no quick fix to undo years of negative financial information and habits. The good news: It is still possible for your credit score to improve over time.

Check your credit score and credit report yearly to identify opportunities for improvement.

Building Credit Categories
Credit Cards Credit Scores Security
young man and woman feeling held back by their credit scores while speaking to an older man 46% of Millennials Feel Held Back by Their Credit Score

46% of Millennials Feel Held Back by Their Credit Score

July 10th, 2018
older man using his laptop and learning that if you have bad credit, a letter of explanation could help If You Have Bad Credit, a Letter of Explanation Could Help

If You Have Bad Credit, a Letter of Explanation Could Help

July 3rd, 2018
young woman with glasses pondering if you have bad credit, can you qualify for a debt consolidation loan? If You Have Bad Credit, Can You Qualify for a Debt Consolidation Loan?

If You Have Bad Credit, Can You Qualify for a Debt Consolidation Loan?

June 27th, 2018
man with beard and glasses looking through a magnifying glass How Does Going to Prison Affect Your Credit?

How Does Going to Prison Affect Your Credit?

June 19th, 2018
OppU banner logo Yes, You Might Need a Credit Check to Rent a Car

Yes, You Might Need a Credit Check to Rent a Car

June 14th, 2018
OppU banner logo Pre-Employment Credit Checks: What are They and What's On Them?

Pre-Employment Credit Checks: What are They and What's On Them?

May 25th, 2018
OppU banner logo Looking for a Credit Repair Company? Here are 4 Red Flags to Avoid Getting Scammed.

Looking for a Credit Repair Company? Here are 4 Red Flags to Avoid Getting Scammed.

May 17th, 2018
young woman on an airplane readying about how moving countries will impact your credit score on her phone How Will Moving Countries Impact Your Credit Score?

How Will Moving Countries Impact Your Credit Score?

May 1st, 2018
When Were Credit Scores Invented? A Brief Look At History.

When Were Credit Scores Invented? A Brief Look At History.

April 26th, 2018
young woman with short hair biting her nails and raising her eyebrow wondering is the credit blacklist a real thing or an urban myth? Is the Credit Blacklist a Real Thing or an Urban Myth?

Is the Credit Blacklist a Real Thing or an Urban Myth?

April 25th, 2018
man with glasses and beard holding a piece of paper and looking at his laptop Can You Have Bad Credit Even With a Good Income?

Can You Have Bad Credit Even With a Good Income?

April 4th, 2018
young man holding his ears in response to hearing multi-level marketing scams could end up costing you thousands Multi-Level Marketing Scams: How a MLM "Job" Could End Up Costing You Thousands

Multi-Level Marketing Scams: How a MLM "Job" Could End Up Costing You Thousands

March 1st, 2018
1 2 3 4 5

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.