Set up auto pay to pay your entire balance on time every month. Do not close an account with a good credit record (then the credit agencies won't know about it). Don't have more than three credit cards in use. Find out what your credit limit it on each card, and try to stay under half of it. Don't ever make minimum payments and then waste money on interest payments. I never had an auto loan, partly because I only bought used cars until I was approaching middle age. The only interest that makes sense is low-rate home mortgage credit, which is a big reason younger people need to raise their credit scores.
