💳 30 Ways to Get & Build a Strong Credit Score 🟢 Getting Started Open a secured credit card Apply for a beginner/student credit card Become an authorized user on someone else’s card Open a credit-builder loan Use a retail/store credit card Set up at least one active credit account 💸 Smart Credit Usage Use your card for small purchases only Keep your credit usage under 30% Pay off your balance in full each month Never max out your credit card Use your card regularly (don’t leave it inactive) S