Utilize secured credit cards, which are backed by a cash deposit that usually represents the credit limit. Your one-time payments to “refill” the credit represent the same thing as monthly credit card payments.

Have a relative or close friend add you to their credit as an authorized user. While this can improve your score, it works better for those with no or very limited credit history like children or younger family members. An authorized users can make purchases with the account but do not make monthly payments.

When applying for a loan, know that your credit scores and utilization rate are updated by the credit company roughly every 30 days at the end of the billing cycle. Making a payment or an approved increased limit may not be reflected in your credit report immediately.