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Get a secured credit card (Discover It Secured or Capital One Platinum)
Set up autopay for the full statement balance every month
Keep utilization below 10% of your credit limit
After 6 months, request a credit limit increase (does not require new card)
After 12 months, apply for an unsecured rewards card
Never close your oldest credit card — length of history matters
Estimated time: 6-12 months to build solid credit. Difficulty level: Easy.
Yes, this guide was last verified in 2026 and reflects the current process.
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