Pay all bills on time
Set up autopay for minimum payments
Pay down credit card balances
Keep credit card utilization below 30%
Keep older credit accounts open
Avoid opening too many new accounts at once
Check your credit reports for errors
Dispute inaccurate information
Become an authorized user on a responsible person’s account
Use a mix of credit types responsibly
Pay more than the minimum when possible
Avoid closing unused credit cards unless necessary
Limit hard inquiries
Keep accounts in good standing
Let negative items age off your report