<human>:  What is the most efficient way to build up my credit?
<bot>: The most efficient way to build up your credit is to pay your bills on time and lower your debt-to-credit ratio by paying off account balances. Additionally, establish a positive credit history by applying for a secured credit card or a small loan and make sure you make all of your payments on time. You can also try to get an increased credit limit on existing accounts or apply for a new account in order to increase the total amount of available credit you have and reduce your debt-to-credit ratio.