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Nerd Wallet regularly reviews and ranks secured credit card options.
Secured credit cards aren’t meant to be used forever.
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.
It’s a forced savings program of sorts, and your payments are reported to credit bureaus.
These loans are most often offered by credit unions or community banks; at least one lender offers them online.
Choose a secured card with a low annual fee and make sure it reports to all three credit bureaus, Equifax, Experian and Trans Union.
A credit-builder loan is exactly what it sounds like — its sole purpose is to help people build credit.
Typically, the money you borrow is held by the lender in an account and not released to you until the loan is repaid.
Note that the effect is limited only to your credit report with Experian — and any credit scores calculated on it.
Building a good credit score takes time and a history of on-time payments.