<human>:  How can I build my credit rating?
<bot>: To build your credit rating, you should start by obtaining a copy of your credit report to make sure all the information listed is accurate. Then begin to build your credit history by making timely payments on any existing loans or credit cards, and if you don't already have one, open a line of credit and use it responsibly. Pay off the balance in full or in part each month, maintaining a low debt-to-credit ratio. Ensure that all financial obligations, including utility bills and rent, are paid on time. Finally, you can open additional accounts, such as a credit-builder loan or secured credit card to expand your credit history.