Building credit history takes time, but there are strategies to improve your score more quickly – patience and consistency are key.
Pay all bills on time, including utilities and rent, as payment history is the most important factor.
Keep credit card balances low relative to credit limits – ideally below 10% for the best scores.
Don’t close old credit cards unless they have annual fees – length of credit history matters.
Consider becoming an authorized user on someone else’s account if they have excellent payment history.
Limit new credit applications to avoid multiple hard inquiries that can temporarily lower your score.
Monitor your credit reports regularly and dispute any errors promptly with the credit bureaus.
