Credit: Image by Steve Buissinne from Pixabay. Building your credit Certified financial planner Dr. James Philpot offers some advice. March 30, 2021 by University CommunicationsUsing a credit card can help you to build your credit. But is it the best credit-building tool? Dr. James Philpot, certified financial planner and associate professor of finance and general business at Missouri State University, provides some insights to WalletHub about building your credit.