怎麼做到？
Having a good credit score is important for your finances.
擁有良好的信用評分對財務狀況非常重要。
score(n.)二十個scores of…很多～the score實情、真相on this (that) score在這(那)問題上financial(adj.)財務的
If you have “good credit,” you can enjoy many financial benefits.
如果您擁有「良好的信用」，您將能享受許多財務上的好處。
beneficial(adj.)有益處的be beneficial to…對～有益處
Among the most common are being able to get a larger bank loan or getting better interest rates on home and auto loans.
其中最常見的是能夠獲得較大額的銀行貸款，或是能享有更優惠的房貸和車貸利率。
loan(n.)貸款take out a loan取得貸款repay a loan償還貸款on loan借出interest rates利率
Many people believe having a credit card is the only way to build credit.
許多人認為，擁有信用卡是唯一能建立信用的方式。
In fact, there are other ways to do it.
事實上，還有其他的方法可以達成。
One way to build credit without owning or using a credit card is to pay off your existing loans. This is because still owing money on loans can hurt your credit score.
在不擁有或使用信用卡的情況下，建立信用的其中一個方法是償清現有的貸款，因為仍然拖欠貸款會影響您的信用評分。
pay off償還、還清existing(adj.)現有的
In addition, you can build credit by having your name on utility bills — such as gas, water or electricity — and making monthly payments on time.
此外，您也可以將自己的名字登記在公用事業帳單（例如瓦斯、水或電）上，並每月準時付款，這樣也能幫助建立信用。
utility(n.)公用事業payment(n.)付款make a payment付款
Another way is to take a small personal loan and pay it off on time. This will help show that you are trustworthy, and can improve your credit score.
另一種方式是申請小額個人貸款，並準時還清，這樣能證明您是值得信賴的，並有助於提升您的信用評分。
take out辦理、取得without delay準時trustworthy(adj.)值得信賴的enhance(v.)提升boost(v.)提升、增加
In some places in the U.S., another way to build credit is to pay your rent through special payment systems that help build credit.
在美國某些地方，另一種建立信用的方法是透過有助於建立信用的特殊付款系統支付租金。
By doing this, you can make your monthly payments and improve your credit score at the same time.
透過這種方式，您可以在支付租金的同時提升您的信用評分。