unfortunately to increase credit they require you to take out loans and pay them off. What you can do with your credit card/s ( if you don’t have one get one ). Dont make minimum payments , try to avoid late payments , monitor your credit ( you can use credit karma)

Use a credit card and make payments on time as well as for housing, phone, car installments, etc). Never use more than 30%of the available credit. The longevity of your credit score will affect your overall score, that way they can know how reliable you are over time. payment history accounts for around 40% of your score. credit history and credit usage, 20% each. (For chase). hope this helps a little bit.

you have to go to the bank and ask for a secured credit card it’s your own money that you can show you pay back then the bank will give you money after 6 months to a year

you can also use the app called “Self” it helps build credit

apply capital one secure credit card you can start with a 400 balance, use the 30% of that that’s the easiest way to built credit in this country

If you have a friend or family member with good credit you can asked to be added to their account as an authorized user. You can take out a secured credit card with your bank. keep your usage at or below 30%. Hope this helps

@Henry Yang Hello Henry! So I see a lot of people gave you misinformation here. For one, you do not need to use less than 30% of your allocated credit, that’s a myth… You need to carry a balance of less than 30% from one statement to the other, ideally under 10%. I prefer 0%. i went from having no credit score in May 2021 to a 739 as of last month by simply paying all my credit card balance as soon as I can. Do not hesitate to pay 10 times per billing cycle if that’s what you need. Just use your credit card and pay it a couple of days after. ideally, get a small car loan. This, along with a credit card, will help you raise your score extremely fast. Good luck!

By the way, I’m taking about 739 FICO score.

most banks won’t give credit cards when starting from scratch that’s why I suggested getting a secured card it happened to me when I started out

Chase will, as long as you have a good salary and a few thousand in your accounts.

You can also go open a store credit card like Apple or Best Buy. They give those to everyone!