Coach mentioned this... but I Want to reiterate.... Your credit score improves when you pay all your bills on time, but its also dependent on actually having credit and using credit... I tend to pay for most things up front (or pay them off as quick as I can), and of the mentality like some other people on here, if you can't afford it, don't buy it... (just how I was brought up), but I was having a hard time actually building credit as a result of this. I would very rarely use credit card, and paying for everything with debit card or cash... but forced myself to go get credit cards because I straight up need to build credit! Its very frustrating at times, because you're trying to be responsible but its not really working for your benefit! If you get what I'm saying!