The easiest thing you can do is make all your payments on time. If you do not have a credit record - like you don't own a house or car that you are making payments on, you can buy something and make payments on time for it, or get a new credit card and make payments on time on it. Do not over-extend by having too many credit cards - the total allowed balance of the credit card actually goes against you as a possible bill you can incur. Also, you can get your credit history and peruse it and make any corrections if you find mistakes, and make the offender retract their false information on your credit reports. If you are not married and are thinking of getting married - beware - their credit rating becomes your credit rating, but this can be good or bad, depening on their credit rating. Get your name taken off any loans if possible that you don't benefit from - like if you co-signed on something for someone else. Try to start a savings account and keep as much money in the bank as possible to offset your debt rating.