High credit score takes time and loans. That said, never pay to improve your rates. If you can pay off debt. Why the hell wouldn’t you? I have almost 15 years of credit history (my parents had me on their accounts very early) and I still only have a 794.

6

Get a revolving line of credit, use it, pay it off all the time, get a fixed note like a car loan, pay it off correctly, and wait, it can take years.

5

Just get a 2 credit cards, never use one and always pay the other off completely every month

1