Whether you're starting out, coming home from deployment or recovering from a rough patch, credit can be built, one on-time payment at a time.
Check your reports first
Get your free reports from all three bureaus at AnnualCreditReport.com. Dispute any errors directly with the bureau. Active-duty members can also place a free active duty alert on their files to help prevent identity theft while deployed.
Start with the right card
- Secured card: your deposit becomes your limit, so approval is easier. Choose one that reports to all three bureaus.
- Credit union starter card: military credit unions often have cards for members who are new to credit.
- Authorized user: being added to a family member's well-managed card can help, but only if they pay on time.
Habits that move your score
- Pay on time, every time. Payment history is the biggest factor. Set up autopay for at least the minimum.
- Keep balances low, ideally well under 30% of your limit.
- Keep old accounts open when you can. Length of history counts.
- Apply sparingly. Space out applications for new credit.
Most people see real progress within 6 to 12 months of steady, on-time payments.
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