5. Be patient
Good credit scores don't just happen overnight.
For instance, the positive effects of opening and making on-time payments on a credit card could take a few months to show in on your score, according to Griffin.
Correction: An earlier version of this story stated that paying a bill a few days late could hurt your credit score. A payment would usually need to be more than 30 days late before being reported to the credit bureaus.
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