: You can pay for services (like Experian Boost) that add your on-time rent or utility payments to your credit file, which are otherwise often excluded.

: While controversial, some people pay a fee to be added as an "authorized user" on someone else’s well-aged credit account (a "tradeline") to temporarily boost their score. How to Get Your Actual Credit "Paper" (Report)

These methods involve purchasing products or services that report your payment behavior to major credit bureaus like Equifax , Experian , and TransUnion .

: You "buy" this credit line by providing a cash deposit (e.g., $200) that serves as your credit limit. Options like the Current Build Card allow you to build history with everyday swipes and on-time payments.

: You essentially pay for the service of a loan that you don't receive upfront. Your monthly payments are held in a bank account and reported to bureaus; once the loan is paid off, you get the money back.