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Loans
January 19, 2025
6 min read
CalcPortal Pro Team

How to Build Credit Fast in 2025: Practical Steps That Work

Focus on utilization, on-time payments, and building a positive credit mix. Here’s how to get results.

Key Steps

  • Keep credit utilization under 30%, ideally under 10%
  • Automate on-time payments and consider a credit builder loan
  • Dispute inaccuracies and avoid hard inquiries when possible