 TITLE: How to Establish Credit If You’re Unscoreable CONTENT: Building Excellent Credit Over Time\n-----------------------------------\nWhile becoming scoreable is an important first step in building credit, credit scoring models consider how long you've been using credit and the average age of your accounts when calculating your credit scores. If your goal is to be in good or excellent credit score ranges, keep at least one open and active credit card. Only use a small portion of your available credit limit, pay your bill in full each month (to avoid interest) and make all your monthly payments on time. Also be sure you make any other loan payments on time every month.\nYou may also be able to improve your score by getting credit for your on-time utility and phone payments. With Experian Boost™† , you give Experian permission to connect to your bank accounts, and once you verify that you want the accounts added to your credit file, you'll see your updated FICO® Score☉ instantly.\nWhile becoming scoreable and improving your credit score can take time, it can save you thousands of dollars in your lifetime, making it well worth the effort. END