Through prudent use of a credit product, such as a credit card or loan, you can establish credit. The lender will inform Equifax, Experian, and TransUnion, the three primary consumer credit bureaus that each maintain a credit report with your history, about your activity. Your credit score is derived using the data in your reports even though it is not included in your credit reports. For more details visit this link: https://divyanegii.blogspot.com/2023/01/the-role-of-credit-cards-in-building.html