To have access to credit, you need to have credit .  Building a great credit score takes time; however, if your credit score is poor or you have no credit, there are things you can begin to do today to help you improve your credit score over time. Let’s begin by examing a few things you should know about your credit score.  As I said earlier, your credit score generally will improve over time. The reason why is because as your active credit accounts age , it indicates that you’re able to manage your credit. In layman’s term, because you’re very experienced at managing credit, you’re less of a credit risk. This is great to know because it’ll help you on your journey to building  your credit score. One of the best tools for building credit is credit cards when used responsibly . In some circumstances getting a credit card isn’t very difficult. There are many web sites online that make applying for credit cards hassle free .  Building your credit score with bad credit or no credit isn’t as hard as you might think . If you have bad credit, it’s sometimes difficult to qualify for a credit card; however, there are bad credit credit cards available for people in your situation . The short coming of bad credit credit cards is the fact they interest on them is usually a lot higher. A great alternative that can help you build your credit is using prepaid credit cards. A prepaid credit card enables you to make a deposit on the card and use it as a credit card. One major benefit of a prepaid card is that you’re not charged the interest rates or penalties that are associated with a lot of credit cards. By using credit cards over time, your credit score will start to increase , and the cost of getting credit will become much less . In many situations , you can see a profound impact in under a year.