Open a secured credit card
Become an authorized user on a trusted person’s credit card
Apply for a credit-builder loan
Use a student credit card if eligible
Make every payment on time
Keep credit card balances low
Pay the full statement balance when possible
Avoid applying for too many accounts at once
Keep old accounts open
Check your credit reports regularly
Dispute any errors on your credit reports
Set up autopay and payment reminders
Use credit consistently and responsibly
Monitor your credit score over time