Have One Active Credit Card, Use It and Pay it Off a Couple Times a Year
Make sure that you have at least one active credit card (this could also be an overdraft or line of credit). If it’s a new credit card, make sure you use it at least once, pay it off, and then rarely use it. You can use the card once or twice a year to keep it active, pay off the balance, and then just let it sit. Having credit available to you and not using it shows you’re using credit responsibility. Just make sure you have a decent credit limit. Showing you can use a $100 credit limit responsibly doesn’t say much. Having a $1,000 or $2,000 limit and not using it, says something.
Using this approach combined with either paying all your other debts on time or not having any other credit at all, can begin to fix your credit quickly and may give you a decent credit score within a year or two.