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Best Credit Building Apps July 2025

By Penny Redlin

Whether you want to buy a house, rent an apartment, apply for a credit card, or take out a personal loan, you will need good credit. When you fall into the good credit range, lenders will be more likely to approve you for loans and charge you lower interest rates. Fortunately, if you don’t have good credit, there are ways for you to build your credit over time.

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7 Steps to Build Your Credit

By Penny Redlin

Building a strong credit score is an essential step towards financial health. Here are 7 tips that will help build your credit score so you can get better interest rates for loans and credit cards, increase your credit limit, and even make it easier to rent an apartment or secure a job.

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Two street signs on atop the other, bad credit and good credit - pointing in different directions

What is Credit

By Elaine Rubin

Credit is a written agreement where one party (the borrower) borrows money from another party (the lender) with the understanding that the borrowed money will be paid back at a later date, typically with interest.

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How Lenders View Credit

By Penny Redlin

Understanding how lenders view credit is a key step in managing your financial future. When you apply for a loan, whether it’s for a car, a college education, or even a personal need, lenders look at your credit to decide if you’re trustworthy to borrow money.

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FICO® scores 670 or higher is when you are considered to have good credit, while scores higher than 740 putting you in the very good range and anything over 800 is considered Excellent.

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Your credit report is compiled and shared by three major reporting agencies, Equifax, Experian, and TransUnion.

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If you have a late payment, it will appear on a credit report for seven years (or seven years from the delinquency date).

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The three major credit bureaus, Experian, TransUnion, and Equifax collect your financial history information and present them in a report that shows your current accounts as well as your account history and other pertinent financial information.

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Every 12 months you can receive a free copy of your credit report from each of the major credit reporting agencies, Experian, TransUnion, Equifax from annualcreditreport.com where you will be asked to complete a form online and pick the report(s) you want to see.

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Creditworthiness is the basis of a person or company to reliably repay money back.

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