Get a secured credit card
Become an authorized user on someone else’s credit card
Apply for a credit-builder loan
Pay every bill on time
Keep credit card balances low
Use credit regularly but lightly
Avoid applying for too many accounts at once
Keep old accounts open
Check your credit reports for errors
Dispute any inaccuracies
Set up automatic payments
Pay more than the minimum when possible
Mix different types of credit over time
Keep your credit utilization below 30%
Monitor your credit score regularly