This should help you improve your credit score, but it may not. Let's go over some stuff. Theory: Better credit = easier to obtain loans with less interest. You don't -need- credit but it's helpful. It's good to have. 680+ is pretty okay. 720+ is good. Some basics: 1. Make an account on Credit Karma. This will give you some idea of where you're at. 2. Make an account on each credit reporting website (TransUnion, Equifax, Experian). This will give you better insight. Experian uses FICO, TransUnion and Equifax do not. 3. Only apply for new credit every 3 months at the most. 6 months to 1 year is better. If your credit is bad: 1. Open a secured loan. Examples: Self, SeedFi. Pay it on time. Do not do this if you don't think you can pay it. 2. Open a secured credit card. You do NOT have to use it to improve your score. A small limit is fine. 3. NEVER GO ABOVE 90% OF YOUR LIMIT. You should stay below 30% if you can. 4. NEVER MAX OUT YOUR CREDIT CARDS. 5. IF YOU HAVE ANY DEROGATORY MARKS, DISPUTE THEM ALL ON EACH SITE (EXPERIAN, EQUIFAX, TRANSUNION). 6. If you have something unpaid, or going to collections (but not there yet), pay a few dollars every month. It will stop it from going to collections (usually). 7. NEVER PAY WITH YOUR DEBIT CARD, BANK ACCOUNT, OR CREDIT CARD (or PAYPAL etc). Use a middle man - Privacy.com allows you to make burner cards with limits, so the card disappears after you use it. This will stop collectors from pulling more money than they should. Tips: If you have medical derogatory marks, anything under 500 bucks will be automatically removed next year. If it's above, you can pay it off and it will be removed from your report. Years ago, it wasn't this way, but now you can work off some of those marks. If you can increase the limit of your secured credit card, it will help the score you have.