Exactly about Credit Builder Loan vs. Personal Bank Loan Building credit can feel just like an uphill battle. You’ve lived here all your life and never established credit, it’s hard to build credit without credit whether you recently moved to America and are starting over or. Here’s exactly how it works — as a “risky borrower” and as a result, you’re not able to get credit and prove them wrong because you don’t have a history of credit, companies categorize…