Build your U.S. financial identity
Credit in America is a record, not a judgment. Anyone can build one — including with an ITIN — by doing a few things consistently. We do not promise to “raise your score 100 points.” We show you what works, and we tell you what to avoid.
The path, in order
- 1
See what exists
Get your free report from AnnualCreditReport.com and check it for mistakes.
- 2
Open one starter account
A secured card or a credit-builder loan. Use it for one small bill each month.
- 3
Pay in full, on time, every month
Payment history is the biggest part of your score. Set up autopay.
- 4
Keep balances low and be patient
Six to twelve months of history produces a score. Two years produces options.
What to avoid
- Companies that charge upfront fees to “fix” your credit
- A new “credit identity” or CPN number — that is fraud
- Opening many accounts at once
- Anyone who guarantees a score increase
Lessons
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Trusted resources
- Official source
AnnualCreditReport.com ↗
The only official site for your free credit reports from all three national credit bureaus.
- Official source
NFCC Nonprofit Credit Counseling ↗
Find a certified nonprofit credit counselor for budgeting, debt management, and housing questions, often free or low-cost.