Pay all bills on time
Keep credit card balances low
Pay credit card balances in full when possible
Avoid maxing out credit cards
Check your credit reports regularly
Dispute any errors on your credit reports
Keep old credit accounts open
Limit new credit applications
Use a mix of credit types responsibly
Become an authorized user on a well-managed account
Set up payment reminders or autopay
Reduce overall debt
Avoid closing unused accounts unless necessary
Build credit history over time
Keep credit utilization below 30% if possible
Pay down high-interest debt first