Which action is NOT recommended for establishing credit?

Ignoring credit reports is not a recommended action for establishing credit, which is why this choice is correct. Regularly reviewing credit reports is crucial as it allows individuals to confirm the accuracy of the information reported and identify any errors or fraudulent activity. Being proactive in monitoring credit can also help individuals understand their credit score and the factors that influence it.

On the other hand, paying bills on time is a fundamental practice for building a positive credit history. Timely payments reflect reliability and responsibility, which lenders look for when assessing creditworthiness. Setting up a repayment plan can also show lenders that an individual is committed to managing their debts effectively, thus positively impacting their credit profile. Opening a secured credit card is another recommended strategy for establishing credit, especially for those with limited credit history, as it allows users to demonstrate their ability to handle credit responsibly while minimizing risk to lenders.