This paper explores how borrowers can build a good credit history by getting loans from lenders with different levels of information. Borrowers who get a loan early on can show other lenders that they are trustworthy, leading to more credit in the future. Even though this process may have some costs for low-risk borrowers, they often prefer it. Surprisingly, borrowers are more likely to repay their loans if they take out larger loans later on. This is because only the safest borrowers are offered larger loans.