Get added as an authorized user on someone else's credit card account that has a long history and low utilization. Their positive history can appear on your credit report and boost your score.
People with thin credit files or those rebuilding after damage. Requires a trusted person willing to add you.
Find a trusted family member or close contact with an old account and low utilization.
Ask them to add you as an authorized user on the account.
You do not need to use the card — just being listed helps your report.
Confirm the card issuer reports authorized users to the credit bureaus (most major issuers do).