If you have little credit history or past negatives, credit-builder loans and secured credit cards can help you establish or rebuild credit. These accounts report your payments to the credit bureaus, and making small on-time payments can improve your credit profile over time.
Here’s why it works:
✅ On-time payments are a major factor in credit scores
✅ Small limits or loan amounts minimize financial risk
✅ Positive payment history can outweigh older negatives with time
✅ Consistent use and repayment can lead to better approvals later
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