I’m young and have bad credit. What do I do?
If you’ve made financial missteps early, here’s some advice to help you establish credit.
3 min read
Apr 30, 2012
introducing
Since 2004, Lexington Law has been helping clients repair their credit. With their team on your side, you can remove false claims on your report, improve your score and reinforce your consumer protections on your credit history. Enjoy the benefits of a credit score that truly reflects your creditwor
Lexington law’s offerings
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Zero cost to start
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Direct communication with credit bureaus
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Powerful legal support
Featured credit repair content
Credit Repair
How to repair your credit in 5 steps
Looking to repair your credit? Here’s how to repair your credit in 5 simple steps and get access to favorable interest rates.
Credit Repair
Pros and cons of credit repair: What to know before you start
Working with a credit repair company has the benefit of ease, but it can still be a risk for some individuals.
Reach your goal of
Where to start
What credit score do you start with?
Learn how credit scores work, including how your first credit score is calculated, how to establish good credit and whether there is such a thing as a “starting credit score.”
Good to know
What is a FICO score?
A good FICO credit score is one of the best ways to maintain financial health. Here's what to know about your score and how it's determined.
Learn more
What do the 3 credit bureaus do?
The three main credit bureaus — Equifax, Experian and TransUnion — collect an array of information in order to establish consumer credit reports.
Build your credit
How to build credit with a secured credit card
If you have a low credit score or a limited credit history, you can start building credit with a secured credit card. Here's what you need to know.
Where to start
How long does it take to increase your credit score?
Depending on why it's low, it can take months or even years to raise your credit score. Here's what you need to know about how to rebuild your score.
Boost Your Score
Can you use your cellphone bill to build credit?
Your cellphone provider doesn’t typically report your payments to credit bureaus. They can still help you build your credit
Repair your credit
How to repair your credit in 5 steps
Looking to repair your credit? Here’s how to repair your credit in 5 simple steps and get access to favorable interest rates.
Learn more
What are credit repair companies and how do they work?
If you have bad credit, it can be a struggle to get a loan or manage finances. Credit repair companies can help you improve your credit.
Where's your score?
Different types of credit repair and how they work
Credit repair companies and credit counselors can help you meet your credit goals. You can also take the DIY approach to get the job done.
Build credit
How to build credit with a secured credit card
If you have a low credit score or a limited credit history, you can start building credit with a secured credit card. Here's what you need to know.
Boost your score
How to build credit fast
Six tips to help you build credit quickly, plus expert advice on how to maintain a good credit score.
Exclusive Tips
How to get a credit card with bad credit
You can be approved for a credit card even with bad credit, but your options will be limited. Here are steps to increase your approval odds.
Build your credit
How to build credit without a credit card
Don’t feel defeated if you don’t have good credit, can’t get a credit card, and aim to build up your credit. Find out about multiple ways to improve your credit.
Know the difference
Payday loans vs. installment loans
Payday loans, targeting consumers with limited or no credit, offer quick cash until the next paycheck. However, their high interest often traps borrowers in cycles of debt, pushing financial strain ever deeper into poverty.
Know more
8 ways to spot personal loan scams
A personal loan may be the answer to your financial woes, but watch out for these signs that you may be getting scammed.
Clean your history
How to clean up credit reports
It is a good practice to review your credit report annually for any inaccuracies. What should you look for and how to address any issues?
Boost your score
Can you remove hard inquiries from your credit report?
Removing accurate and timely information from your report is generally not possible. This is true for hard inquiries as well, unless identity theft has occurred.
Exclusive Tips
How to repair your credit in 5 steps
Looking to repair your credit? Here’s how to repair your credit in 5 simple steps and get access to favorable interest rates.
Protect your score
What is credit monitoring?
Credit monitoring services can alert you to unauthorized changes to your credit report. Paid services are available, but your credit card may offer the protection you need.
Boost your credit
Top credit-building apps of 2023
Credit-building apps give you access to a loan or credit line or simply help you track your score as you make moves to better it. Here are the best ones.
Know more
How does ‘buy now, pay later’ affect your credit score?
“Buy now, pay later” services are flourishing, but some may have more impact on your credit score than others.
Get the credit you deserve
Your credit score is more than just a number. We have partnered with Lexington Law to help you get the credit score you deserve. Their dedicated team fights for every consumer’s right to an accurate, fair and substantiated credit report. Lexington Law helped customers remove over 2 million credit errors in 2023 alone, empowering them to find their financial freedom.
client experiences
Lexington Law is here to help you reach your goals
“I have been with them for years, and let me say they do not stop working around the clock for your credit! They don’t just send one little letter either. They have a whole process of letters and fight for you! They have and are helping me so much!”
They are great. They care about you and truly want to ensure they are helping you the best way they can. They have removed 11 negative items from my credit report, and I completely trust them. You will know the next steps and plan that is best for you and your current situation.
“I have been using Lexington Law Firm for over a year now, and they have really helped me out a lot. I love the app because you can see and clearly understand things.”
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