 TITLE: What Is Piggybacking Credit? CONTENT: Ways to Build Credit\n--------------------\nHere are other ways you can build your credit that provide longer-lasting results than piggybacking:\n1.  **Apply for a secured credit card**: A great option for those with no credit history, a secured credit card is a card that requires you to place a deposit with your own money as collateral. The deposit acts as your credit line. As you make your payments, the card company reports your payments to the credit bureaus.\n2.  **Take out a credit-builder loan**: When you take out a credit-builder loan, the lender sets aside the funds in a savings account and you make monthly payments. The lender reports your payments to the credit bureaus, and at the end of the loan term, the funds are released to you.\n3.  **Boost Your FICO® Score☉** : Get credit for the utility and telecom bills you're already paying by signing up for Experian Boost™† —a free tool that can increase your FICO® Score instantly.\nWith these options, you can steadily increase your credit scores over time without the cost of a piggybacking service. END