Open a secured credit card
Become an authorized user on a trusted person’s card
Apply for a credit-builder loan
Use a student credit card if eligible
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
Check your credit reports regularly
Dispute any errors on your credit reports
Keep old accounts open
Use credit responsibly every month
Set up autopay for at least the minimum payment
Monitor your credit score over time