Check your credit report for errors and dispute any inaccuracies
Pay down existing debt as much as possible
Make all current bills and loan payments on time
Apply for a secured credit card
Consider a credit-builder loan
Look for credit cards designed for bad credit
Become an authorized user on someone else’s card
Provide proof of income and stable employment
Keep credit applications to a minimum
Compare fees, APRs, and deposit requirements before applying
Start with one card and use it responsibly
Keep your balance low and pay it in full each month
Avoid applying for cards with very high fees or predatory terms