Building your credit rating can be a tough thing to do; especially after Christmas, but a necessary one if you want even half a shot at that brand new car or even more importantly, a home. There are a lot of ways you can build your credit rating, but these five are the quickest ways to do it.

#1 – Pay Your Bills on Time

No matter what the bill is, always make sure you pay it on time, especially if it’s your credit card bill. Late payments are bad, missed payments are worse. If you can, pay twice a month, once before your statement closes out and once before the due date. Always plan ahead as much as possible to stay on top of things lest you get a bad report on your credit history.