Check all credit reports for errors and dispute inaccuracies
Pay every bill on time, every time
Bring credit card balances below 30% of the limit, ideally under 10%
Pay down revolving debt as aggressively as possible
Make at least the minimum payment on all accounts
Set up autopay and payment reminders
Keep old credit accounts open if they have no annual fee
Avoid applying for multiple new credit accounts at once
Use a secured credit card if you need to rebuild from scratch
Become an authorized user on a well-managed account
Ask for a credit limit increase without adding new debt
Use credit lightly and consistently
Catch up on any past-due accounts immediately
Negotiate payment plans or settlements for delinquent accounts
Keep credit utilization low across all cards
Mix in a credit-builder loan if appropriate
Monitor your credit regularly for changes
Avoid closing accounts unless necessary
Avoid collections, charge-offs, and late payments
Wait for negative items to age off while building positive history