Raise the back of your tongue to touch the soft palate (velum). Stop the air, then release.

Americans pronounce credibility as kreh-duh-BIH-luh-tee (/ˌkrɛdəˈbɪləɾi/). In "credibility", the "t" between vowels sounds like a quick "d" — the tongue briefly taps the ridge behind the upper teeth. This is called the Flap T, the kind of sound shift that makes everyday speech feel effortless. So instead of kreh·tuh·BIH·luh·tee, you get KREH·duh·BIH·luh·tee. Stress falls on the third syllable — keep everything else short and quick. You'll hear it in sentences like "He questioned the credibility of the eyewitness account".
Record yourself saying "credibility" and play it back. The mic stays on your device — nothing's uploaded.
5 syllables, 11 sounds. Tap a syllable to jump to its row, then explore each sound's mouth shape and how it's made.
Raise the back of your tongue to touch the soft palate (velum). Stop the air, then release.

Curl or bunch your tongue without letting the tip touch the roof of your mouth. Brace the sides of your tongue against your upper back teeth, and round your lips slightly.
Drop your jaw moderately. Touch the tongue tip behind the bottom front teeth and lift the mid-front part slightly toward the roof.

Place the tip of your tongue against the alveolar ridge just behind your top front teeth, the same contact point as /t/, /d/, and /n/. The difference is what happens to the air: for /l/, you let it flow continuously around the <em>sides</em> of the tongue (that's why /l/ is called a lateral). Turn your voice on the whole time. Lips stay relaxed, no rounding or flaring. For the Dark L variant at the end of a syllable, also pull the back of the tongue up and back toward the soft palate.

Relax your lips, jaw, and tongue completely. Drop your jaw slightly and keep the tongue neutral.
The textbook way isn't wrong — it's just not how anyone actually says it.
In "credibility", the "t" between vowels sounds like a quick "d" — the tongue briefly taps the ridge behind the upper teeth. /t/ or /d/ becomes a quick tap [ɾ] — sounds like a soft D. The tongue briefly taps the ridge behind the upper teeth.
Stress falls on the third syllable, not the others. Stretch BIH — keep everything else short and quick.
Don't pronounce the first syllable too fully. The unstressed syllable reduces to a schwa — the lazy "uh" sound — in casual speech.