It takes a lot of work to build up your good name. You do what it takes to good name. You do what it takes to make all of those payments on time. You build a healthy mix of credit accounts to show that you are a seasoned borrower. show that you are a seasoned borrower. You manage your money wisely, and you protect yourself against the unknown. protect yourself against the unknown. Improving your credit takes years. Unfortunately, Improving your credit takes years. Unfortunately, it can be stolen and ruined in an instant. If you're not thinking about identity theft, it is time you did.