get a credit card one credit card okay spend about fifty dollars a month on it you don't need to spend any more than that

and then pay it off make sure you pay it off on time every month month after month the algorithms that look at you increase your credit score regardless of how much you're paying off so you have to put thousands on it the fact that you pay it off get you a higher score immediately this is the trick you have to do it's a hack that's what i call it right out of college get a card don't have use it pay it off every month

any small amount works bingo you get a new credit card another great vampire tip