Paying off your credit card balance in full, maintaining a good debt utilization ratio, and paying your debts on time can help build your credit score.
Improving your credit score is generally a slow process. There’s no quick fix to undo years of negative financial information and habits. The good news: It is still possible for your credit score to improve over time.
Check your credit score and credit report yearly to identify opportunities for improvement.
If you’re a diehard debit card user, it may be time to make the switch to credit cards.