Build a Rock-Solid Payment History
On-time payments are the #1 factor in your credit score. Explore these strategies and tools to ensure you never miss a payment and add positive history to your report.
Key Strategies for On-Time Payments
Set Up Autopay
The easiest way to avoid late payments. Set up automatic payments for at least the minimum amount due on all your accounts. You can always pay more manually.
Use Calendar Alerts
If you prefer manual control, set up reminders in your phone's calendar a few days before each due date. This gives you time to schedule the payment.
Tools to Boost Your Payment History
Get credit for payments you're already making, like rent and subscriptions.
Grow Credit
Builds credit with your subscriptions like Netflix, Spotify, and cell phone bills. Reports a small line of credit with on-time payments.
Kikoff
Offers a small revolving line of credit. No credit check required. Helps build payment history and lower utilization.
Extra Card
The first debit card that builds credit. Connects to your bank account and reports your everyday purchases as credit-worthy payments.