Open a secured credit card
Become an authorized user on someone else’s credit card
Apply for a credit-builder loan
Use a student credit card if eligible
Make on-time payments on all bills that report to credit bureaus
Keep credit card balances low
Pay the full statement balance each month
Avoid applying for multiple credit accounts at once
Check your credit reports regularly
Keep older accounts open once established
Use rent and utility reporting services if available
Maintain stable employment and address information
Start with one or two accounts and manage them responsibly