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Doing so adds that card’s payment history to your credit files, so you’ll want a primary user who has a long history of paying on time.You don’t have to use — or even possess — the credit card at all in order to benefit from being an authorized user.You’ll want to monitor both to watch for errors and to see your credit-building efforts pay off.Several personal finance websites, including Nerd Wallet, offer a free credit score. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Our partners cannot pay us to guarantee favorable reviews of their products or services. " At Nerd Wallet, we strive to help you make financial decisions with confidence. But how are you supposed to show a history of responsible repayment if no one will give you credit in the first place? We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. If you don’t have a credit history, it’s hard to get a loan, a credit card or even an apartment.

That activity generally is reported, but you’ll want to make sure — otherwise, your credit-building efforts may be wasted.Not every credit score takes these payments into account, but some do, and that may be enough to get a loan or credit card that firmly establishes your credit history for all lenders.Experian Boost offers a way to have your cell phone and utility bills reflected in your credit report with that credit bureau.The purpose of a secured card is to build your credit enough to qualify for an unsecured card — a card without a deposit and with better benefits.Choose a secured card with a low annual fee and make sure it reports to all three credit bureaus, Equifax, Experian and Trans Union.

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