There's no secret formula for building strong credit, but healthy habits can improve your credit score and keep it in good standing. The habits you build might be different depending on whether you're building credit or trying to improve your existing credit history. These habits won't affect your credit scores right away. It takes time, so keep working on them.
If you need help managing your debt and credit, talk to a financial counselor. A counselor can help you:
Look at your current financial situation
Explore your options for making it better
Develop a budget and action plan to reach your goals
Put your payments together — maybe even with a lower interest rate — which can help you pay off your debt faster
When you're looking for a credit counseling service:
Choose an agency that offers free face-to-face counseling sessions. The counselor can help you discuss your spending habits, set a budget and handle your personal finances. Signing up for consumer credit services or a debt reduction plan over the phone or online puts you at risk of losing money to a fraudulent organization.