Can You Build Your Credit Score Without Using a Credit Card?

Better credit card management is known as one of the best ways to build your credit fast and easy. It has many avenues, and those who have used it can confirm this. However, even those without a credit card, like students, can still build their scores up without any challenges through other means.

The best thing about having a high score is that you increase your opportunities for borrowing money in the future for yourself and your business. So, check out the following reliable methods and start implementing them today.

Paying Bills on Time

Students have bills, too. No matter how little they are, they can play a part in building your credit score in the meantime. Such bills include rent and utility bills. Reports indicate that utility bill companies typically forward a good report for anyone who clears their bills on time. On the other hand, they can be your worst nightmare if you default on the bills. All of this is easier now since we now live in the world of big data.

Become an Authorized User of Another Credit Card

Even if you do not have a credit card, you can still enjoy the benefits that come with one. All you need is to get added as an authorized user on another credit card that is doing well. Such services are sometimes changed, but you could always use a parent’s credit card.

For now, you can check out the different types of tradeline packages to learn how you can buy one to benefit yourself. For most people, this has worked well, especially when they have not attained the age to get a credit card.

Taking Out a Loan

Students have many options for taking out an affordable loan. Depending on how you look at it, this is an opportunity to grow your credit quickly. Although some students’ loans sponsored by the government give enough of a grace period until someone has finished college, others require immediate repayment.

For the latter case, students can take this opportunity to build their credit score by negotiating affordable repayments and paying them on time. This has been proven to be a quick way to either build or destroy your credit score at this young age, so take advantage of it well.

Ask Institutions to Report for You

As a student, you probably do not have a lot to report to the credit reference bureau. However, you can ask all of the institutions that we have mentioned above to report for you. Most of them will be glad to do this, particularly if you have been repaying your bills and loans well. Even when you are an authorized user of another credit card, it is crucial to make sure that the company is reporting on your behalf.


As seen from the insights above, even students and other people who have not reached the right age to get a credit card can start building their credit score. This is an excellent way of securing their financial future, especially when they intend to start a business or buy an asset.