{"id":17306,"date":"2020-06-22T09:42:40","date_gmt":"2020-06-22T16:42:40","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=17306"},"modified":"2020-06-22T09:42:40","modified_gmt":"2020-06-22T16:42:40","slug":"buyer-how-to-build-credit-without-a-credit-card","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-without-a-credit-card\/","title":{"rendered":"No Credit Card? Here Are 18 Other Ways to Build Your Credit"},"content":{"rendered":"<p>Do you need a credit card to build credit? The reality is that it definitely helps to have a credit card when you are <a href=\"https:\/\/www.homelight.com\/blog\/how-to-improve-credit-to-buy-home\/\">trying to build credit<\/a>. But it isn\u2019t 100% necessary \u2014 and in some cases, it\u2019s either not possible, or not desirable to get one (or both).<\/p>\n<p>Beyond that, paying off credit cards alone isn\u2019t the only way \u2014 nor necessarily the most effective way \u2014\u00a0to get there. \u201cIt\u2019s certainly important to know <i>where<\/i> and <i>how<\/i> to improve,\u201d says North Carolina-based top-selling agent <a href=\"https:\/\/www.homelight.com\/agents\/kimberly-pappalardo-nc-0222069\">Kimberly Pappalardo<\/a>, adding that \u201cpaying off credit cards might not necessarily be the best way to improve credit score.\u201d<\/p>\n<p>In order to understand that further, let\u2019s look into the five <a href=\"https:\/\/www.investopedia.com\/terms\/c\/credit_score.asp\">primary factors that go into a person\u2019s credit score<\/a>, as determined by credit bureaus. They are:<\/p>\n<ul>\n<li>Your payment history (35% of your total score)<\/li>\n<li>The total amount you owe (30%)<\/li>\n<li>Your different types of credit (10%)<\/li>\n<li>New credit lines (10%)<\/li>\n<li>The length of your credit history (15%)<\/li>\n<\/ul>\n<p>So there are a variety of factors at play, related to your habits and history \u2014\u00a0including and also separate from your credit card usage.<\/p>\n<p>Overall, <a href=\"https:\/\/www.homelight.com\/blog\/buyer-what-credit-score-is-needed-to-buy-a-house\/\">building credit<\/a> is about being aware and informed, getting creative, and taking a range of actions. Let\u2019s look at some of the many ways you can start building your credit right now without getting a credit card.<\/p>\n<figure id=\"attachment_17315\" aria-describedby=\"caption-attachment-17315\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1-666x381.png\" class=\"attachment-content size-content\" alt=\"A woman in hijab using a credit card on a laptop to build credit.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-1.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-17315\" class=\"wp-caption-text\">Source: (Anna Shvets \/ Pexels)<\/figcaption><\/figure>\n<h2>How to build credit without a credit card<\/h2>\n<h3>Dispute errors on your credit report<\/h3>\n<p>Your own credit report should not be a mystery to you! Get a copy of your report and contest any discrepancies or errors; to make it easy, here\u2019s a handy <a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0384-sample-letter-disputing-errors-your-credit-report\">dispute letter template<\/a> you can use.<\/p>\n<p>You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian, and TransUnion). To get one, make your request through <a href=\"https:\/\/annualcreditreport.com\">AnnualCreditReport.com<\/a> (or by mail or phone, if you prefer).<\/p>\n<p>Confronting any issues head-on is an important and proactive step toward building credit.<\/p>\n<h3>Start making all of your payments on time<\/h3>\n<p>If this is an area where your credit is suffering, start making your payments on time every month. Paying on time can make a big difference in your score.<\/p>\n<p>Use direct deposit and reminders on your calendar to <a href=\"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-fast\/\">automate the process<\/a> and make it as easy as possible to get it right every time.<\/p>\n<h3>Pay down the existing debt you have<\/h3>\n<p>Whether it\u2019s student loans or a past credit card, anything you can do to eliminate the amount you owe will help your credit.<\/p>\n<h3>Don\u2019t close any of your existing accounts<\/h3>\n<p>You might instinctively feel that closing existing accounts might be a step toward helping your credit. But in fact, the longer you can keep your accounts open, the better it looks for your score. So if possible (and logical in your situation), consider keeping those accounts alive instead.<\/p>\n<h3>Diversify your credit<\/h3>\n<p>The more different <i>types<\/i> of accounts you have, the better your credit will be \u2014 which is good news even (or especially) if you don\u2019t have a credit card.<\/p>\n<figure id=\"attachment_17316\" aria-describedby=\"caption-attachment-17316\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2-666x381.png\" class=\"attachment-content size-content\" alt=\"A woman with a young baby who is looking to buy a car to build credit without a credit card.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-2.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-17316\" class=\"wp-caption-text\">Source: (Gustavo Fring \/ Pexels)<\/figcaption><\/figure>\n<h3>Make a big purchase<\/h3>\n<p>If you are in the position to <a href=\"https:\/\/www.homelight.com\/blog\/how-to-improve-credit-to-buy-home\/\">make a big purchase<\/a> \u2014 such as a house or a car \u2014\u00a0it may feel daunting, because big purchases like this can actually ding your credit at first.<\/p>\n<p>But consider your time horizon: If you make your payments on time, these purchases will actually end up helping your credit long-term.<\/p>\n<h3>Open a store account<\/h3>\n<p>Some home improvement stores will offer project loans or credit accounts. Other retailers, such as supply stores, might also offer accounts you can use to build credit apart from credit cards.<\/p>\n<h3>Ask for your rent to get reported to the credit bureaus<\/h3>\n<p>Typically, rent isn\u2019t reported to credit bureaus. But if you\u2019re paying it anyway, why not get (literal) credit for it?<\/p>\n<p>Some rent reporting services (Rental Karma, LevelCredit) can do this. You can ask your landlord about reporting, too.<\/p>\n<p>Ideally, you can use the credit you build this way to invest in a home, so you\u2019re not paying rent in the future and instead are building personal wealth through owning real estate!<\/p>\n<h3>Consider what other bills you can get reported<\/h3>\n<p>In addition to your rent, you should investigate what other bills you can get reported to credit bureaus as a way to build credit every month. Some bureaus will let you add your cell phone and utility bills to your credit report, for instance.<\/p>\n<h3>Get a credit-builder loan<\/h3>\n<p>Look into getting a credit-builder loan, which is a type of loan that is specifically designed to build credit. This way, you borrow money, but you don\u2019t actually get to see it until you repay the loan.<\/p>\n<h3>Get a passbook or CD loan<\/h3>\n<p>If you have a certificate of deposit or savings account, you can use this to get a loan; the bank takes possession of your savings, and you get it back incrementally as you pay off the loan.<\/p>\n<h3>Get a secured credit card<\/h3>\n<p>Wait, isn\u2019t this a list of ways to build credit <i>without<\/i> a credit card? Yes, but&#8230; a secured credit card isn\u2019t <i>exactly<\/i> like a credit card. It\u2019s \u201clike a debit card that acts like a credit card and starts building your credit \u2014 it\u2019s your own money on a card,\u201d explains <a href=\"https:\/\/www.homelight.com\/agents\/tony-baroni-fl-03134493\">Tony Baroni<\/a>, who works with 81% more single-family homes than the average agent in <a href=\"https:\/\/www.homelight.com\/tampa-fl\/top-real-estate-agents\">Tampa Bay<\/a> and Orlando, Florida.<\/p>\n<p>You get your deposit back when you close the account through a secured card, and it can help you build enough credit to get an actual credit card.<\/p>\n<figure id=\"attachment_17317\" aria-describedby=\"caption-attachment-17317\" style=\"width: 700px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3.png\" target=\"_blank\"><img decoding=\"async\" width=\"666\" height=\"381\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3-666x381.png\" class=\"attachment-content size-content\" alt=\"Two people co-signing a loan to build credit without a credit card.\" srcset=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3-666x381.png 666w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3-64x37.png 64w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3-128x73.png 128w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3-192x110.png 192w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3-432x247.png 432w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3-500x286.png 500w, https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-3.png 700w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/a><figcaption id=\"caption-attachment-17317\" class=\"wp-caption-text\">Source: (Pressmaster \/ Shutterstock)<\/figcaption><\/figure>\n<h3>Get a co-signed loan<\/h3>\n<p>When you get a loan with a co-signer, you can take advantage of that person\u2019s good or better credit \u2014 just be aware that they will be on the hook if you don\u2019t pay, so this certainly needs to be someone close to you, with reciprocal trust.<\/p>\n<h3>Become an authorized user on someone else\u2019s credit card<\/h3>\n<p>This is similar to getting a co-signed loan, except you will become an authorized user on someone else\u2019s credit card (so you won\u2019t have to get your own credit card\u2026 and that\u2019s the point, here).<\/p>\n<h3>Become an authorized user on someone else\u2019s bills<\/h3>\n<p>This strategy also works for switching a loved one\u2019s bill over to your name \u2014 or adding yourself to it. \u201cIt\u2019s just a couple of little things like this that can make a big difference toward establishing that credit,\u201d Baroni says.<\/p>\n<h3>Get a personal loan<\/h3>\n<p>Some banks will still give personal loans. The advantage of getting one is you could use it to pay off debt and then have just one loan to pay back to the bank. Of course, you\u2019ll need to pay on time for this to work as an effective credit-building strategy!<\/p>\n<h3>Don\u2019t apply for new accounts back-to-back<\/h3>\n<p>A good mix of credit will help you \u2014 but opening a bunch of new accounts willy-nilly is <i>not<\/i> going to help. So keep your process methodical and strategic.<\/p>\n<h3>Keep tabs on your credit<\/h3>\n<p>Staying apprised of where your credit is will help alert you if something <i>does<\/i> go wrong. This way, you\u2019ll be able to address it ASAP before it snowballs into a major credit problem.<\/p>\n<p>When it comes to credit, Baroni says, knowledge is power: \u201cWe need to find out where we are so we can figure out where to go. If we have some issues going on, there\u2019s a solution.\u201d<\/p>\n<p><em>Header Image Source: (Ekaterina Bolovtsova \/ Pexels)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you need a credit card to build credit? It definitely helps to have a credit card when you are trying to build credit. But it isn\u2019t 100% necessary.<\/p>\n","protected":false},"author":150,"featured_media":17318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[192,631,629],"tags":[],"class_list":["post-17306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers","category-credit-scores","category-home-financing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>18 Ways You Can Build Credit Without a Credit Card<\/title>\n<meta name=\"description\" content=\"Do you need a credit card to build credit? It definitely helps to have a credit card when you are trying to build credit. But it isn\u2019t 100% necessary.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-without-a-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"No Credit Card? Here Are 18 Other Ways to Build Your Credit\" \/>\n<meta property=\"og:description\" content=\"Do you need a credit card to build credit? It definitely helps to have a credit card when you are trying to build credit. But it isn\u2019t 100% necessary.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-without-a-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"HomeLight Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gohomelight\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-06-22T16:42:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hl-blog.homelight.com\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-4.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Alesandra Dubin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@alicedubin\" \/>\n<meta name=\"twitter:site\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alesandra Dubin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"18 Ways You Can Build Credit Without a Credit Card","description":"Do you need a credit card to build credit? It definitely helps to have a credit card when you are trying to build credit. But it isn\u2019t 100% necessary.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-without-a-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"No Credit Card? Here Are 18 Other Ways to Build Your Credit","og_description":"Do you need a credit card to build credit? It definitely helps to have a credit card when you are trying to build credit. But it isn\u2019t 100% necessary.","og_url":"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-without-a-credit-card\/","og_site_name":"HomeLight Blog","article_publisher":"https:\/\/www.facebook.com\/gohomelight\/","article_published_time":"2020-06-22T16:42:40+00:00","og_image":[{"width":1500,"height":800,"url":"https:\/\/hl-blog.homelight.com\/wp-content\/uploads\/2020\/06\/how-to-build-credit-without-a-credit-card-4.png","type":"image\/png"}],"author":"Alesandra Dubin","twitter_card":"summary_large_image","twitter_creator":"@alicedubin","twitter_site":"@gohomelight","twitter_misc":{"Written by":"Alesandra Dubin","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-without-a-credit-card\/#article","isPartOf":{"@id":"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-without-a-credit-card\/"},"author":{"name":"Alesandra Dubin","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/3c20bb23677b94b2e40ed5ea1d6f7986"},"headline":"No Credit Card? 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Articles, guides, and advice from top agents all over the U.S.","email":"support@homelight.com","telephone":"(888) 688-0350","legalName":"HomeLight","foundingDate":"2012-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"201","maxValue":"500"}},{"@type":"Person","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/3c20bb23677b94b2e40ed5ea1d6f7986","name":"Alesandra Dubin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.homelight.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/144bf36599586a2572ba5dfb9014afadb72e436d03418bc11c2fcb5636070054?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/144bf36599586a2572ba5dfb9014afadb72e436d03418bc11c2fcb5636070054?s=96&d=blank&r=g","caption":"Alesandra Dubin"},"description":"Alesandra Dubin is a lifestyle journalist and content marketing writer based in Los Angeles. Her vertical specialties include real estate; travel; health and wellness; meetings and events; and parenting. Her work has appeared in Business Insider, Good Housekeeping, TODAY, E!, Parents, and countless other outlets. 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