Author name: Soo Kim

How to Build Credit Fast in the USA: Strategies That Actually Move the Needle

A $4,200 difference. That’s what a lousy credit score cost me in extra interest on a three-year auto loan — […]

I avoided looking at my credit score for almost a year. I’m not even exaggerating. After I applied for my

The letter sat on my kitchen counter for three days before I finally opened it. I knew what it was

I still remember the first time I tried to check my credit score. I was 26, freshly moved into my

I’ll be honest — when I first started paying attention to my credit score, I thought I was doing everything

Somewhere around my fourth time refreshing my credit monitoring app in a single week, I realized the problem wasn’t my

My credit score was 648, and I genuinely thought that was fine. Not great, sure — but fine. Acceptable. Like

My best friend moved to the U.S. from Mexico three years ago. She had a steady job, paid every single

The number was 19.9%. I remember staring at that paper in the car dealership and doing the math in my