The best thing to do is charge your gas or groceries and then pay it completely off every month. Lenders don’t like to see maxed out cards. You should start seeing your score go up in a few months.

Also you’ll need more than 1 line of credit to make any difference. I bought a brand new car at age 19 and my score went way up after I paid it off. I also had a student loan that I paid off early and my score went up then too. Lots of things influence your score.

Dang just now? I got mine when I was 18. My credit score is in the mid 700s now. It takes a long time, but better late than never.

GET👏🏼IT👏🏼FROM👏🏼YOUR👏🏼BANK!!!
Get a secured credit card and in 6 months your credit will be fixed ... I don’t know why I see a lot of women on here saying it takes years when it really doesn’t !!

Go with Lexington Law. I was with them before but had to drop them when coronavirus came. The prices aren't bad each month & they work with you to get things off of your credit that's negative.

Don’t ever use the entire balance (recommended to not use over 30% of the limit)
Make the minimum payment on time all the time.
Don’t use it and pay off in the same month. It will look like you never use the card. Creditors want to see you can maintain a payment history.

Use less than 20% of your available limit and pay it off monthly

The best thing to do is charge your gas or groceries and then pay it completely off every month. Lenders don’t like to see maxed out cards. You should start seeing your score go up in a few months.

Years and years lmaoo the more you check it the more it goes down too but I don’t got a credit card I can’t even get a old navy card 🤣

It’s not only paying it off every month, it’s also about how long you’ve had one and keeping your debt to credit ratio low. But it depends on what your past credit history is, if you have any, or if you’re starting completely from scratch. My husband had credit in the low 500s when we got married and now it’s great.