How to start building credit:
Get a credit card or loan:
Use it responsibly, and ensure your payments are reported to major credit bureaus.
Start with Atlas:
Sign up for Atlas, link your bank account, and pay the $8.99 (every 28 days) membership fee.
Atlas helps you build credit automatically—perfect for beginners!
For tips and guidance, visit Atlas Academy in the app.
What is a good credit score?
Good Score: Generally, 700 or higher.
Why It Matters: Higher scores mean better loan terms and lower interest rates.
Check your latest Experian Vantage 3.0 score anytime in the Atlas app under Credit.