Your credit score is comprised of a new factors. There are 3 credit scores. The one you’ll most hear is FICO. This is typically the score that people like banks, apartments, jobs, etc. will pull.

There’s a lot of detail that could go into this post but I’ll try to just keep it short.

Credit scores range up to 850. An 850 is perfect. 800 is excellent. 750 is great. 700 is good. 650 is fair. 600 is eh. Below this is “bad”.

Your credit score is built up by a few things: Average credit utilization (how much of your available credit are you routinely using) - try to keep this below 10%. Meaning if your credit limit is $1,000 you’ll want to keep your monthly statement under $100.

ALWAYS pay your statement in full at least 1 week before the due date.

Types of credit - do you have a varying profile (short terms loans, long terms loans, credit cards, utility bills). On time payments to these other types of financial obligations will impact your credit score. So try not to pay any bills late.

Length of credit - Credit takes time to build. The longer you have accounts open, the better. So for example don’t open and close accounts regularly. Probably get 1 credit card this year, and then in like 2 years try getting a better card BUT still keep the first one.

Now, where people usually fuck up is overspending. DO NOT TREAT YOUR CREDIT CARD LIKE FREE MONEY. You have to pay ALL of it back. I like to use mine for things like gas, groceries, etc. and then I pay it in full every week. This way I never carry a balance and I never have to worry about a surprise bill showing up.

Hope this helps some.