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<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"baseUrl":"/articles/topics/building-credit","bottomArticles":[{"date":"Fri Feb 20 09:30:47 PST 2026","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2024/10/240517_DA_WhatCreditScoreDoYouStartWith_SEOA_FINAL.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/jorge-labrador/jcr:content/data/master","previewDescription":"Wondering what your starting credit score is? 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Building Credit

A smiling young woman uses her laptop at the table while holding her credit card in one hand, which may be a secured credit card to help her build credit.

Using a Secured Credit Card To Build Credit

Once you know how to use one strategically, a secured credit card can be one of the best ways to build your credit.

A man works on his laptop in the kitchen as his wife looks at a collections letter with a concerned expression. She may be worried about how to remove it from her credit report.

How To Remove Collections From Your Credit Report

It’s no fun being in collections, regardless of how you got there. So how do you remove that entry from your credit report?

A woman thoughtfully holds up her credit card while walking through an outdoor shopping center, perhaps happy that she has an unsecured credit card.

What Are Unsecured Credit Cards?

Unsecured credit cards can boost your financial situation, but only if you manage them properly. Here’s everything you need to know before getting one.

A young woman raises her fist in celebration while holding up her credit card, as if she’s pleased with her starting credit score.

What Credit Score Do You Start With?

Wondering what your starting credit score is? Learn how to build a strong foundation from the beginning of your credit journey.

A young woman looks at her credit card and several past-due invoices, indicating her credit card may be charged off.

What Happens When a Credit Card Is Charged Off?

What happens when your credit card gets charged off? Discover the impact on your credit, how debt collection works, and steps to reduce the effects.

Two individuals hold different credit cards — one black, the other gold — against each other, as if comparing them. This can represent the comparison of secured and unsecured credit cards.

Secured vs. Unsecured Credit Cards: What’s the Difference?

Unsecured credit cards can offer more benefits than secured credit cards, but they may not be the right choice for your unique financial situation.

This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

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