Get a credit card or a credit-builder loan
Pay every bill on time
Set up autopay for at least the minimum payment
Keep credit utilization low (aim for under 30%, lower is better)
Make multiple payments during the month if balances report high
Avoid maxing out your credit limit
Apply for credit only when needed
Limit new applications to reduce hard inquiries
Keep older accounts open to preserve account age
Use your credit card regularly for small purchases
Review your credit reports for errors
Dispute inaccuracies with the credit bureau(s)
Maintain stable employment and income when possible
Avoid closing cards unless necessary
Keep balances paid down before the statement closing date
Use a secured credit card if you have limited or no credit
Consider becoming an authorized user on a trusted person’s account
Avoid taking payday loans or high-cost debt products
If you miss a payment, pay as soon as possible and contact the lender
Monitor your credit score and track progress monthly
Consider credit counseling if you’re struggling to manage debt