Check Your Credit Report
Credit card companies and lenders rely on credit scores, which determine someone’s chances to borrow money — and how favorable the terms will be.
Check your own score yearly by ordering reports from the three major credit scoring companies: Equifax (www.equifax.com), Experian (www.experian.com), and TransUnion (www.tuc.com) or www.annualcreditreport.com if you have not done so this year.
Sign up with Credit Karma, or other companies that can help you to keep track of your credit scores, and or make suggestions on how to improve your credit.
Notify the credit bureau of inaccuracies. Request that late payments older than seven years be removed. Verify and update accounts and account numbers. Verify address and Social Security number.
How to Improve Your Score: Pay your bills on time. Reduce outstanding debt. Build up your savings. Don’t fall for illegal schemes that help you create a new credit identity.
If you're early off in the process, you can try to open a secure credit card to help establish credit. such as on through your local credit union, Fingerhut, I understand Chime may help as well. Please do your research on these.
If you're currently renting, talk with your landlord about reporting your rent payment to increase your score.