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💰 10 - Ways how to build your credit score 1. Pay Your Bills On Time ⏰ Your payment history is the #1 factor in your credit score. Even one late payment can hurt you badly. 2. Get a Secured Credit Card 💳 If you're starting from scratch, a secured card (you deposit money first) is the easiest way to begin building credit. 3. Keep Your Credit Utilization Low 📉 Try to use less than 30% of your limit. Example: If your limit is $1,000 → don’t go over $300. 4. Become an Authorized User 👥 Ask a tru
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