Limited Credit

When it comes to obtaining the bare necessities, a person’s credit history can impact a number of important factors. For people with bad credit in particular, the negative consequences can cause several disadvantages to one’s quality of life.

The average US FICO score hit a record high of 703 in 2019, as more Americans continue to monitor their credit reports through a wealth of free online services. While that may seem all fine and well, with 66% of US citizens having a good to exceptional FICO score (670-850), that still leaves 34% of Americans with a fair to very poor score (300-669).

A healthy credit history is the key to unlocking great credit card deals. Below, we’ve listed 5 simple ways you can build up your credit score no matter where you’re starting from.