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How to build credit

New to credit? Atlas makes it easy to get started.

Updated over 3 weeks ago

Start with Atlas

  • Sign up and link your bank

  • Pay the $8.99 membership fee (every 28 days)

  • We report your payments to all 3 major bureaus

No credit check needed — great for beginners!

➡ For tips, visit Atlas Academy in the app.

Other ways to build credit

  • Get a credit card or loan

  • Use it responsibly and pay on time

  • Make sure it reports to a credit bureau

Why your credit score matters:

  • A good score (700 or higher) can unlock better loan terms and lower interest rates

Check your Experian Vantage 3.0 score anytime in the Credit tab of the app.

FAQs

Q: What’s the easiest way to build credit?

A: Start with Atlas—we report your payments monthly.

Q: When will I see changes?

A: Most users see updates within 30–45 days.

Q: Do I need credit history to join?

A: Not at all. Atlas is made for beginners.

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