4. Open a credit card if you don‘t have one
There's no need to have a wallet full of credit cards, but having one or two that you use responsibly will help your score.
"You should apply for credit when you need it and know how you are going to repay it," said Griffin.
But if you don't have a credit card, he recommended opening an account and making a small purchase each month and paying it off. "Credit cards have a little more weight than installment loans because you decide how much to charge and pay," he explained.
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