You can't open a BuildCreditAI account until you're 18. But that doesn't mean you have to wait to start building credit.

The strategies that actually move the needle before 18 require a parent or guardian's involvement — specifically, becoming an authorized user on a parent's credit card with a long, clean payment history.

We wrote a guide that walks both you AND a parent through how this works. Download it, share it with your parent, and start the conversation.