{"id":89741,"date":"2024-09-25T13:48:59","date_gmt":"2024-09-25T17:48:59","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=89741"},"modified":"2024-09-25T16:56:03","modified_gmt":"2024-09-25T20:56:03","slug":"how-to-build-your-credit-score","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/how-to-build-your-credit-score\/","title":{"rendered":"How to Build Your Credit Score"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/paying-for-school\/\">\n\t\t\t\t\t\t\t<span>Paying for School<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How to Build Your Credit Score<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Anne Papmehl<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/09\/shutterstock_StudentCreditScore.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Male student sitting outdoors\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/09\/shutterstock_StudentCreditScore.jpg 7360w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=768,513 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=1536,1025 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=2048,1367 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Build Your Credit Score &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/how-to-build-your-credit-score\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/how-to-build-your-credit-score\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published September 25, 2024 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Credit scores are needed to get a cell phone, rent an apartment, lease or buy a car and eventually, buy a home The longer you maintain a good credit score the better \u2013 so it\u2019s ideal to start building one now.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Using a credit card and paying off the balance in full and on time is one of the easiest ways to start building a credit history.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Here\u2019s a quick look at what a credit score is, why it&#8217;s important and how to build a strong credit score now.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is credit?<\/h2>\n\n\n\n<p>Credit is money you borrow. Common types of credit include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Credit cards<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Student loans<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Personal loans<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Lines of credit&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>How you borrow money and pay it back is your <strong>credit history<\/strong>. This is reflected in your <strong>credit score<\/strong>. Credit scores in Canada range between <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-and-credit-scores\/good-credit-score\/\" data-dig-id=\"LP-89741-e8c1a97a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"300 and 900\" class=\"rbc-link-format\">300 and 900<\/a>. A score of 740 to 799 is considered very good and above 800 is excellent. The longer you maintain good credit, the higher your credit score goes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is this important?<\/h2>\n\n\n\n<p>A good credit score makes it easier to qualify for loans or credit cards and to get approved for a lease or cell phone plan. When you miss bill payments, your credit score goes down, making it harder to borrow money later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why start building credit as a student?<\/h2>\n\n\n\n<p>It takes time to build a good credit history. Starting early gives you the chance to show banks you&#8217;re a responsible borrower and someone they can do business with.<\/p>\n\n\n\n<p>A good credit score means you&#8217;re more likely to be OK&#8217;d to borrow for bigger things down the road (think car or mortgage). It also can bring perks like lower interest rates and higher credit limits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to build credit as a student&nbsp;<\/h2>\n\n\n\n<p>Here are a few simple ways to kickstart your credit history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Get a credit card and use it wisely<\/h3>\n\n\n\n<p>Sign up for a <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/no-fee.html\" data-dig-id=\"LP-89741-4e0c1c27\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"no annual fee credit card\" class=\"rbc-link-format\">no annual fee credit card<\/a> in your name and use it for small expenses that can be paid off quickly. Pay your balance by the due date every time. If you can&#8217;t pay the whole balance, pay at least the minimum due to avoid late fees and credit score dings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pay for large items in full<\/h3>\n\n\n\n<p>For larger purchases \u2014 like vacations and furniture \u2014 set aside money regularly. Paying off a large credit card purchase is another way to boost your credit score.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pay your bills on time<\/h3>\n\n\n\n<p>Including your phone, utility bills, as well as your car loan and rent. Setting up automatic debits from your bank account can ensure you never miss a payment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Don&#8217;t let your payments go NSF<\/h3>\n\n\n\n<p>It happens to the best of us, but a Not Sufficient Funds (bounced) cheque or payment can lower your credit score. Make sure you have enough money in your bank accounts to cover bill payments. Ask your financial institution about overdraft protection, which can help cover unexpected shortfalls.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to maintain a good credit score<\/h2>\n\n\n\n<p>Keep an eye on your credit score. You&#8217;ll see your score go up as you make on-time, regular payments. Here are a few tips to keep it up:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Beware of identify theft and scams<\/h3>\n\n\n\n<p>These can hurt your credit score, even though they&#8217;re not your fault. Learn how to avoid <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/forms-publications\/publications\/rc284\/protect-yourself-against-identity-theft.html\" target=\"_blank\" data-dig-id=\"LP-89741-fd3d932e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"identity theft\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">identity theft<\/a> and stay informed about the latest frauds, <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/forms-publications\/publications\/rc284\/protect-yourself-against-identity-theft.html\" target=\"_blank\" data-dig-id=\"LP-89741-db7df856\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"phishing \" rel=\"noreferrer noopener\" class=\"rbc-link-format\">phishing<\/a> schemes and other scams.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Check your credit card transactions.<\/h3>\n\n\n\n<p>If you notice anything odd, such as a purchase you don&#8217;t recognize, contact your financial institution right away to correct it.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">Want to find out your credit score? You can check it for free at either of Canada\u2019s main credit bureaus, <a href=\"https:\/\/www.consumer.equifax.ca\/personal\/\" target=\"_blank\" data-dig-id=\"LP-89741-fbfb1bab\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Equifax \" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Equifax <\/a>or <a href=\"https:\/\/www.transunion.ca\/\" target=\"_blank\" data-dig-id=\"LP-89741-df1167ad\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"TransUnion\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">TransUnion<\/a>. Or you can get <a href=\"https:\/\/www.rbcroyalbank.com\/dms\/olb\/credit-score\/index.html?promo_name=ENT_Students_DNL&amp;promo_id=266834&amp;promo_position=body&amp;promo_creative=How%20to%20Build%20Good%20Credit%20as%20a%20Student\" data-dig-id=\"LP-89741-b29918b7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"free access to your credit score\" class=\"rbc-link-format\">free access to your credit score<\/a> with RBC Online Banking<\/p>\n\n\n\n<p>When it comes to building and maintaining a good credit score, there\u2019s no time like the present! And having a good credit score now will serve you well throughout your life.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-47e405ee-71e0-4918-b671-5ca7cf301fe4\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Build Your Credit Score &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/how-to-build-your-credit-score\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/how-to-build-your-credit-score\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-ceca67f7-c05b-4b75-9186-1e995f48c445\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Managing Money<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/paying-for-school\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Paying for School<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/students\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Students<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_172567265_RESPvsRRSP.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Parents happily celebrating childs graduation while knowing they have been able to balance RESP and RRSP contributions.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_172567265_RESPvsRRSP.jpg 3900w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_172567265_RESPvsRRSP.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_172567265_RESPvsRRSP.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_172567265_RESPvsRRSP.jpg?resize=1024,683 1024w, 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How to Balance Education and Retirement Savings<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"878\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-feature-509-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-feature-509-1.jpg 1190w, 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score will serve you well throughout your life, you start building credit when you get your first credit card 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