If your monthly budget is based on your income as a gig worker, it can be difficult to build credit — especially if you didn’t already have an established track record of responsible credit usage before you became one. After all, gig workers often have inconsistent incomes, which can make it difficult to qualify for mortgages and auto loans, at least until you establish a steady income record over a period of years.
I’m a Certified Financial Plannerâ„¢, but I’ve also been in the same boat. I’m technically a self-employed gig worker myself, and have been for over a decade. And when I started, I did not have strong credit — but I do now. Here’s how I did it, and how you can give your credit score a jumpstart.
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