Building your credit involves cleaning up negative items and errors on your credit reports, and listing one item underneath personal information, as well as establishing a strong credit mix. Start by reviewing your credit report, disputing inaccuracies, make it your business to use and understand consumer or FCRA law and resolving outstanding debts. Then, build a diverse credit mixture portfolio with primary accounts, credit builder products, and authorized user tradelines, while consistently practicing responsible credit habits like timely payments and maintaining low balances.