<human>:  How can I build my credit score?
<bot>: To build your credit score, you should start by obtaining a credit report. You should make sure to pay off any existing debt you have, and pay your bills on time. You can also consider applying for a secured credit card, which requires a security deposit that can help you establish a credit history. Finally, you should watch your credit utilization ratio, which is the amount of available credit you use, and try to keep it below 30%.