<human>:  How do I build my credit score?
<bot>: The best way to build your credit score is to start by creating a budget and tracking your spending so you know exactly where your money is going. Pay all of your bills on time, and make an effort to pay more than the minimum balance if you can. Consider getting a secured credit card to begin building a positive payment history. Be cautious with new credit and try to limit your applications. Finally, check your credit score regularly to monitor your progress.