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Free educational content about building credit in the US. Every article cites sources and provides actionable steps—no fluff, no upsells.

AllBasicsVisasProductsHousingStrategy
TitleCategoryRead time
Credit 101 for Immigrants
Everything you need to know about the US credit system, explained for people starting from zero.
Basics8 min
F-1 vs H-1B Credit Building Paths
Different visa types mean different strategies. Here's the optimal path for your situation.
Visas12 min
Secured Cards Explained
How secured credit cards work, which ones to get, and when to graduate to unsecured.
Products6 min
How to Build Credit Without SSN
You don't need a Social Security Number to start. Here are your options.
Basics10 min
Apartment Hunting with No Credit
Strategies for getting approved for apartments when you have no US credit history.
Housing15 min
The 5 Factors That Determine Your Score
Payment history, utilization, length, mix, and inquiries—explained with data.
Basics7 min
10 Mistakes to Avoid with Your First Card
Common errors that tank scores and how to avoid them from day one.
Strategy9 min
Authorized User Strategy
How piggybacking on someone else's credit can boost your score fast.
Strategy5 min

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