Introduction
Millennials and Gen Z are digital natives, yet many struggle with building and maintaining good credit. Whether it’s student loans, rent, or buy-now-pay-later apps, understanding how to improve your credit score is crucial to future financial success.

Start Early Your Credit Age Matters
One of the best things you can do as a young adult is to start building credit early. Consider getting a student credit card or a secured card. The longer your credit history, the better.

Understand the Basics of a Credit Score
Your credit score is based on five factors: payment history (35%), credit utilization (30%), length of credit history (15%), new credit (10%), and credit mix (10%). Understanding these is the first step in improving them.

Use Technology to Your Advantage
There are many apps like Credit Karma, Mint, or Experian Boost that help you monitor your credit score and get personalized tips. Some can even add payments like utilities or Netflix to your credit file.

Avoid Common Mistakes
Impulse spending, missing payments, and maxing out credit cards are major credit killers. Create a budget and stick to it. Use credit cards for small recurring expenses and pay them off in full.

Consider a Credit-Builder Loan
These small loans are designed to help those with little or no credit history. Your payments are reported to credit bureaus, helping you build positive history.

Ask for a Credit Limit Increase
If you already have a credit card and a good payment history, asking for a credit limit increase can instantly improve your utilization ratio just don’t increase spending.

Don’t Co-Sign Unless You’re Sure
Co-signing someone else’s loan can hurt your score if they miss payments. Be cautious and only co sign when you’re confident in the borrower’s reliability.

Stay Informed and Educated
Financial literacy is key. Take free online courses or follow reliable personal finance influencers to stay updated.

Conclusion
You don’t need to wait until you’re older to have a great credit score. With smart habits and digital tools, millennials and Gen Z can build strong credit early and avoid common pitfalls that lead to long-term damage.