Mint explains how first-time borrowers can build credit at 30
In short
Mint Money says people who turn 30 with no credit history can still build one. It suggests taking small loans or credit, paying EMIs on time, using only a little of the available credit, and checking credit reports regularly.
What the reporting says
Turning 30 without a credit history can still be fixed by starting with manageable credit, paying EMIs on time, keeping credit utilisation low and checking credit reports regularly. Mint Money’s guide says these steps can help first-time borrowers build a healthier credit profile and improve future loan eligibility. The advice is aimed at people trying to establish a borrowing record for the first time.
Why it matters
Mint Money’s guide says first-time borrowers can improve their credit profile by using manageable credit, paying EMIs on time, keeping credit utilisation low and monitoring credit reports. The piece is aimed at people who reach age 30 without a credit history and want better loan eligibility later. It links those habits to a healthier borrowing record, rather than a market move or policy change.