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Best Way to Build Credit and How Credit Builders Can Help

Learn about credit builders, why to use a credit builder, and the best way to build credit. Look into tools like Cheers: how it works and why it can assist you with well-designed features.

Immigrants And Homeownership: Building Credit For The American Dream

As an immigrant-founded company, we know firsthand how crucial it is to improve one's creditworthiness. That’s why we’ve created this guide for immigrants with tips on how to build credit and improve your chances of homeownership.

Elizabeth Thorn

Featured Posts

Understanding Credit Building Credit Cards as an Immigrant

Navigating the U.S. financial system as a newcomer can be challenging, especially when it comes to building credit. Credit building credit cards are designed to help individuals like you establish or improve your credit score.

Understanding Credit Building Credit Cards for Young Adults

If you’re under 30 and trying to get your credit game on track, you’ve probably stumbled across credit building credit cards. They’re all about showing the credit bureaus (Experian, Equifax, TransUnion) that you’ve got this credit thing under control. Do it right, and your score starts climbing.

How to Build Good Credit: A Practical Guide

Learn about how to build good credit, what good credit is, why you should build it, and different ways to build good credit. Look into credit builder loans like Cheers: how it works and why it is a good option to consider.

Different Types of Credit Scores & Why They Matter

Understand the different types of credit scores—FICO, VantageScore, and industry-specific—and why they matter for loans, jobs, and renting. Learn how tools like Cheers Credit Builder can help you build credit while saving.

How to Build Up Credit in 2025: A Practical Guide

Discover how to build up credit in 2025 with proven methods, smart tools like Cheers Credit Builder, and actionable steps. Start strengthening your credit today.

How Do You Build Credit? A Simple Guide to Start Today

How do you build credit from scratch? Learn to improve your credit score with simple steps. Explore credit builder loans, rent reporting, and smart tools to grow your credit fast.

Credit Cards

Understanding Credit Building Credit Cards as an Immigrant

Navigating the U.S. financial system as a newcomer can be challenging, especially when it comes to building credit. Credit building credit cards are designed to help individuals like you establish or improve your credit score.

Understanding Credit Building Credit Cards for Young Adults

If you’re under 30 and trying to get your credit game on track, you’ve probably stumbled across credit building credit cards. They’re all about showing the credit bureaus (Experian, Equifax, TransUnion) that you’ve got this credit thing under control. Do it right, and your score starts climbing.

Best Credit Cards to Build Credit in 2025: Your Guide to a Strong Financial Start

In this guide, I’ll walk you through the best credit cards to build credit in 2025, based on current trends and options that cater to beginners. Whether you’re a student, a recent immigrant, or someone looking for a fresh start, there’s a card here for you.

Credit Card Application Denied: 7 Reasons Why And What To Do

In this article, we will explore seven reasons why your credit card application may have been rejected and discuss how you can work toward improving your financial standing.

Elizabeth Thorn

Credit Card Refinancing Vs. Debt Consolidation

A few popular ways to tackle excess credit card debt include credit card refinancing and debt consolidation.

Elizabeth Thorn

Apply For Best Buy Credit Card, But Got Rejected: What To Do Next?

Are you among the many people who applied for a Best Buy credit card but got rejected? In this guide, we’ll review some key tips that will help you strengthen your application and give yourself the best opportunity to receive approval in the future.

Elizabeth Thorn

Lowe's Credit Card Application Denied: Why & What To Do Next

Applying for a new credit card and then getting rejected can be frustrating. If you are curious why your Lowe's credit card application was denied, this blog will explore some of the most common reasons and what you can do next.

Elizabeth Thorn

Applied For An Amazon Credit Card But Got Rejected? What To Do Next

Explore ways to increase your chances of approval with some tips and advice on how to improve your financial standing before reapplying for a new credit card from Amazon.

Elizabeth Thorn

Did You Apply For An Apple Card, But Got Declined? What To Do Next

In this guide, we'll walk you through the features of Apple card and how to apple for one.

Elizabeth Thorn

How To Request An Apple Card Credit Limit Increase

If you're an Apple Card user who feels like their current credit limit isn't quite enough for their monthly expenses, learn how you can apply for an Apple Card credit limit increase in this helpful guide.

Elizabeth Thorn

Build Credit

How to Build Good Credit: A Practical Guide

Learn about how to build good credit, what good credit is, why you should build it, and different ways to build good credit. Look into credit builder loans like Cheers: how it works and why it is a good option to consider.

How to Build Up Credit in 2025: A Practical Guide

Discover how to build up credit in 2025 with proven methods, smart tools like Cheers Credit Builder, and actionable steps. Start strengthening your credit today.

How Do You Build Credit? A Simple Guide to Start Today

How do you build credit from scratch? Learn to improve your credit score with simple steps. Explore credit builder loans, rent reporting, and smart tools to grow your credit fast.

7 Smart Ways to Build Credit in 2025

Learn the best ways to build credit in 2025—credit cards, builder loans, rent reporting & more. Start growing your credit score today, even without a card.

Best Way to Build Credit and How Credit Builders Can Help

Learn about credit builders, why to use a credit builder, and the best way to build credit. Look into tools like Cheers: how it works and why it can assist you with well-designed features.

What Is A Credit Builder Loan And How It Helps Build Your Credit

A credit builder loan is a type of fixed installment loan designed to help people improve their credit scores.

8 Things You Can Do To Boost Your Credit Score In 2023

Here're 8 tips for improving your credit score in 2023.

Elizabeth Thorn

6 Bills That Help Build Your Credit In 2023

In this quick guide, we'll take a look at six bills that can have an impact on your credit rating.

Elizabeth Thorn

Loan Declined? 8 Reasons Why And How To Recover Step By Step

8 reasons why your loan was rejected and how to get back on track so that you can get the financing you need with confidence.

Elizabeth Thorn

How Much Does Cheers Credit Builder Raise Your Credit Score?

How much does Cheers raise your credit score? How fast can Cheers build your credit? Check out this article to find all the answers.

FHA Vs. Conventional Loans For Mortgages 2023: A Full Guide

This full guide will dive into FHA vs. conventional loans for mortgages in 2023 with all the pros and cons laid out clearly.

Elizabeth Thorn

How Long Does It Take To Repair Your Credit?

Generally, bad credit is indicated by a score that falls in the 300 to 650 range. Everything starts with checking your credit report.

Elizabeth Thorn

7 Common Mistakes To Avoid When Building Credit: What Not To Do

Learn about the most significant mistakes people make when trying to build credit and how you can avoid them.

What Is Prequalification For An Auto Loan? Everything You Need To Know

Learn about the benefits of prequalification for auto loans and how it can help you make an informed decision when purchasing a car.

Cheers Vs. Credit Strong: Which Credit Builder Loan Is For You?

Looking to build your credit score with a credit builder account but not sure whether to choose Cheers or Credit Strong?

Cheers Vs. Kikoff: Which Credit Builder Account Is Better?

Looking to build your credit score? This blog compares two credit building services: Cheers Credit Builder and Kikoff. Learn about their features, reporting to credit bureaus, and pricing to decide which one is right for you.

How Soon Can You Refinance A Mortgage?

Are you wondering how soon you can refinance your mortgage? If you’re strategic about refinancing your mortgage, you could save thousands in mortgage payments, and timing, plays a significant role.

Elizabeth Thorn

How To Build Credit Without A Credit Card

In this article, we'll explore alternative methods to build credit without using credit cards. Let's get started on your credit-building journey!

4 Best Credit Builder Loans In 2023

Discover the top 4 credit builder loans of 2023, including Self, MoneyLion, Cheers Credit Builder, and CreditStrong.

Credit Building Mistakes To Avoid: Common Pitfalls And How To Steer Clear

We’ve outlined the four most impactful credit building mistakes you should avoid to help you explore the most effective ways to boost your credit score and set your financial goals.

Elizabeth Thorn

4 Best Financial Resolutions For The New Year In 2024

We’ve created a quick guide full of the four best financial resolutions for the new year to help you increase your financial health, reduce debt, and start saving for the future.

Elizabeth Thorn

How To Establish Credit History As An Immigrant With No Credit

We created this guide with practical strategies and tips to help immigrants establish credit history from scratch.

Elizabeth Thorn

Immigrants And Homeownership: Building Credit For The American Dream

As an immigrant-founded company, we know firsthand how crucial it is to improve one's creditworthiness. That’s why we’ve created this guide for immigrants with tips on how to build credit and improve your chances of homeownership.

Elizabeth Thorn

Tips For Financial Success: How To Manage Credit Score And Debt In Your 30s

With appropriate measures and planning, you can attain financial stability and secure your future well before your forties. If you’re unsure where to start, discover our top tips for managing credit score and debt in your 30s.

Elizabeth Thorn

5 Tips For Boosting Your Credit Score To Drive Your Dream Electric Car

We’ve got five expert tips for how to boost your credit for an electric car loan. By following these tips, you can improve your chances of securing the financing you need to hit the road in an eco-friendly fashion.

Elizabeth Thorn

8 Best Credit Building Tools For Bad Credit

What are the best ways to build credit? What are the best credit-building tools for you? Find the answers in this article!

Credit Score

Different Types of Credit Scores & Why They Matter

Understand the different types of credit scores—FICO, VantageScore, and industry-specific—and why they matter for loans, jobs, and renting. Learn how tools like Cheers Credit Builder can help you build credit while saving.

How Does A Personal Loan Affect Your Credit Score In 2023?

A personal loan can positively impact your credit score by building positive payment history, diversify credit mix and lower credit utilization ratio.

Elizabeth Thorn

What Are The Benefits Of Having A Good Credit Score?

A good credit score can get you access to better interest rates for loans, qualify your for better credit cards and more.

Elizabeth Thorn

How Your Credit Score Impacts Your Financial Future In 2023

Check out the 7 ways that your credit score impact your financial future in 2023.

Elizabeth Thorn

Why Did My Credit Score Drop And How To Fix It

Has your credit score recently dropped significantly and you’re wondering what happened and how to fix it? Here's a complete guide.

Elizabeth Thorn

Does Adding A Credit Card Affect Your Credit Score?

Having access to extra funds can be beneficial and convenient, but just how will taking out a new line of credit affect your credit score? Let's explore!

Elizabeth Thorn

What Is A Good Credit Score To Buy A Car In 2023?

Read on for our comprehensive guide to understanding what credit score you’ll need to buy a car in 2023.

Elizabeth Thorn

Does Financing A Car Hurt My Credit Score?

Let's take an in-depth look at how financing a car affects your credit scores and explore ways to get the best loan.

Elizabeth Thorn

What Is A Good Credit Score?

This article helps you understand what a good credit score is and what affects your credit score.

Elizabeth Thorn

How To Read A Credit Report?

Here’s what you need to know about how to read a credit report and what to look for when you do so.

Elizabeth Thorn

How Does A Mortgage Pre-Approval Affect Your Credit Scores?

In this quick guide, we'll take a closer look at how going through the pre-approval process affects your personal credit history and offer helpful tips to make sure your financial standing stays strong throughout the entire process.

Elizabeth Thorn

What's The Highest Credit Score And How To Get It?

In this article, we will demystify the highest credit score possible, provide actionable tips on how to achieve it, and discuss the benefits of having an excellent credit score.

What Is A CPN And Is It Legal?

Have you heard of using a CPN number for credit repair? Is it legal? In this blog, let's explore what exactly a CPN is and if you could use it for rebuild you credit.

What Is SYNCB/PPC On Your Credit Report?

Explore SYNCB/PPC's role in your credit report, learn how it impacts your credit score, and get expert advice for managing these accounts effectively.

What Is FICO Score 8?

In this quick guide to FICO scores, we'll dive into the specifics of FICO Score 8 and discuss why it's important for anyone looking to build or maintain their credit score.

Elizabeth Thorn

What Is The Average Credit Score By Age In The US?

In this quick guide, we'll discuss the average credit score according to age groups within the US and provide actionable steps for improving your score.

Elizabeth Thorn

The Role Of Credit Scores In The Electric Car Leasing Process

Follow along as we explore the intricate relationship between credit scores and electric car leasing and explain how to boost your score to get the best possible deal.

Elizabeth Thorn

What Is A Good Credit Score To Buy A House?

Find out what why boosting your credit score can help you in buying a home.

Elizabeth Thorn

The Ultimate Guide To Starting The New Year With A Strong Credit Score

It's important to reflect on our past actions and make plans to improve our future. One of those important plans should be improving your credit score in 2024!

Elizabeth Thorn