Understand the difference between revolving and installment credit

Set up credit alerts to catch fraud early

Explore co-signer programs for challenging applications

Apply for credit cards with no annual fees

Consider personal lines of credit for flexible borrowing

Use debt snowball and avalanche methods for fast progress

Leverage on-time utility payments for positive history

Negotiate better terms on existing debts

Automate bill payments to avoid late marks

Choose credit unions for member-friendly loan options

Use rent reporting services to boost your score

Opt for secured credit cards to rebuild after setbacks

Find 0% APR balance transfer cards for quick relief

Consolidate debts for simpler repayment and lower interest

Use credit builder loans to jumpstart your profile

Improve your credit score with smart usage techniques