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Establish Your Credit

Understanding how credit works and how to use it wisely can help you make smarter financial decisions. Learn how to get credit for the first time and build a good credit history. Good credit may allow you to borrow money at more favorable interest rates.
 
Different types of credit can help you reach different goals, from managing everyday expenses to buying a home. Find out how to choose the right credit option for your situation.
Orange bulletLearn How to Establish Credit
Find effective ways to build a strong credit history, even if you haven’t had credit before or your credit history is limited.
 
Orange bulletOrganize Your Finances
Establishing and maintaining good credit is easier if you stay on top of your finances. These practical tips will help you manage your bank accounts, credit cards, and bills.
 
Orange bulletKnow What Lenders are Looking For (PDF)*
Lenders use the “4 C’s” — credit history, capacity, collateral, and conditions — to evaluate credit applications. Understanding the 4 C’s can help you secure the financing you desire.
 
Orange bulletKnow Your Credit Options
Loans, credit cards, and mortgages are just some of the credit options available. Find out how various credit options work and how they can help you reach specific financial goals.
 
We can provide the information you need to get started on the path to good credit. We also offer accounts specifically designed to help you establish credit.
Orange bulletFree Credit Report
Your credit report captures information about you and your finances. Find out how to check your report so you can be sure it’s accurate and spot potential fraud.
 
Orange bulletInteractive Tutorial: Using Credit to Your Advantage
Get all the information you need to understand what credit is and how to make it work for you, presented through an interactive tutorial.
 
Orange bulletWells Fargo® Secured Card
A secured credit card can help you demonstrate your ability to use credit responsibly, which in turn helps you build a stronger credit history.
 
Orange bulletWells Fargo Cash BackSM College Card
With this credit card, college students can charge everyday purchases while establishing their credit at the same time.
 
 
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