Open a credit card or credit-builder loan
Use the account regularly
Pay every bill on time
Keep credit card balances low
Pay balances in full when possible
Avoid missing payments
Keep old accounts open
Limit new credit applications
Check your credit reports for errors
Dispute any inaccuracies
Become an authorized user on a responsible account
Diversify your credit mix over time
Keep credit utilization below 30%
Set up payment reminders or autopay
Maintain accounts for a long period