Pay every bill on time
Pay credit card balances down to below 30% of the limit
Pay balances below 10% of the limit if possible
Make multiple payments during the month
Ask for a credit limit increase
Keep old credit cards open
Become an authorized user on a well-managed account
Open a secured credit card
Use a credit-builder loan
Dispute errors on your credit reports
Check your credit reports for inaccuracies
Avoid opening too many new accounts at once
Avoid closing old accounts
Keep credit card accounts active with small purchases
Set up autopay for at least the minimum payment
Pay off collections if they can be removed or updated favorably
Negotiate pay-for-delete only if available
Keep credit utilization low across all cards
Mix credit types responsibly
Monitor your score regularly
Avoid late payments at all costs