Credit / 35 min read
The high schooler's guide to building a credit score from scratch
Safe ways to start a credit history, keep utilization low, and avoid the mistakes that make borrowing expensive later.
Credit is financial reputation
A strong score can lower loan costs, make apartment approvals easier, and reduce deposits. Starting early gives time for account age to work in your favor.
The score inputs
Payment history and credit utilization matter most. Pay on time, keep reported balances low, and avoid applying for many accounts at once.
Safe entry points
Students can begin as authorized users, with secured cards, or with student cards. The right first account has no annual fee and a limit you can manage.
The weekly habit
Use the card like a debit card, pay the full statement balance, monitor transactions, and freeze your credit when you are not actively applying.