 TITLE: Are Title Loans Worth the Cost? CONTENT: How to Build Credit\n-------------------\nIf you're considering an auto title loan, it's likely because your credit is in bad shape. While working to build your credit may not get you the cash you need now, it can help you gain better options in the future. Here are some of the best ways to do it:\n### Use a Credit Card\nIf you don't have a credit card already, getting one can help you build credit without paying any interest—if you use the card responsibly, keep your balance relatively low, and pay off your balance on time and in full each month.\n### Pay Other Loans on Time\nIf you've gotten behind on some payments, get current as quickly as possible. Then make it a priority to make all your monthly payments on time going forward. Your payment history is the most important factor in your FICO® Score☉ , so this action is crucial.\n### Get Added as an Authorized User\nIf a loved one has excellent credit and a credit card, ask if they would consider adding you as an authorized user on the account.\nOnce you've been added, the card issuer should report the account's full history on your credit report (check to make sure they're doing so). If the account is in good standing, it can go a long way to boost your credit score.\n### Address Potential Credit Report Errors\nSometimes mistakes happen, and erroneous information can show up on your credit report. If this happens, it could negatively impact your credit scores. You can get a free copy of your credit report from each of the credit reporting agencies each year at AnnualCreditReport.com. Experian also offers its own free credit report.\nOnce you have your reports, look over them to see if there's anything you don't recognize. If there is, you can dispute it with the credit reporting agency and the creditor.\nMonitoring your credit scores regularly and addressing problems as they come up will give you a better chance of getting a less expensive loan in the future. END