<human>:  What steps can I take to build my credit score?
<bot>: 
1.Check your credit report regularly to ensure accuracy and to spot any suspicious activity. 2.Pay bills on time and keep credit card balances low. 3.Use your credit responsibly, and limit new credit inquiries. 4.Reduce personal debt and increase savings. 5.Make all payments on time, including student loans, car loans, and mortgages. 6.Build a diverse credit history by using both installment loans (like car loans and student loans) and revolving credit (like credit cards). 7.Avoid payday loans and other high-interest loans. 8.Check with your creditors to seeif you can set up automatic payments to ensure bills are always paid on time. 9.Consider a secured credit card, if necessary. 10.Be cautious about closing old accounts, as this can hurt your credit score.