Good credit doesn’t happen on its own – you need the right tools combined with smart and responsible credit use to improve your credit score. But getting approved for a credit card when you don’t have good credit in the first place can be both difficult and frustrating.

That’s why it’s important to know about the other credit building tools out there that aren’t traditional credit cards or secured cards. If you’re having trouble getting approved for credit — but would like to improve your credit score — keep reading for information about your other options.