Credit Repair: Individuals can work to improve their credit scores by managing tradelines responsibly, such as making timely payments, keeping credit card balances low relative to credit limits, and maintaining a mix of credit types.
Authorized User Tradelines: Individuals can also benefit from being added as an authorized user to another person's credit account (e.g., a family member), which can potentially improve their credit score if the account has a positive payment history and low utilization.