Open a secured credit card
Become an authorized user on a trusted person’s credit card
Apply for a credit-builder loan
Use a credit union or community bank for starter products
Pay every bill on time
Keep credit card balances low
Set up automatic payments
Keep old accounts open
Limit new credit applications
Check your credit reports regularly
Dispute any errors on your credit reports
Use rent and utility reporting services
Maintain steady employment and income
Keep a low debt-to-income ratio
Avoid maxing out credit limits
Monitor your credit scores monthly
Build history over time
Use credit responsibly and consistently