Open a secured credit card
Use a credit-builder loan
Become an authorized user on a responsible person’s credit card
Apply for a starter or student credit card
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 older accounts open
Check your credit reports regularly
Dispute any errors on your credit reports
Set up automatic payments
Use credit consistently and responsibly
Keep your credit utilization below 30%
Mix different types of credit over time
Maintain a long credit history