Pay all bills on time, every time
Set up automatic payments and payment reminders
Pay down revolving credit card balances, especially to lower utilization
Keep credit utilization low (aim for under 30%; lower is better)
Avoid maxing out credit cards
Make multiple payments during the month if helpful for utilization
Request credit limit increases (only if it won’t lead to higher spending)
Avoid opening many new accounts in a short period
Limit hard inquiries by applying only when necessary
Check credit reports for errors and dispute inaccuracies
Keep old credit accounts open when possible
Use credit regularly (small, manageable purchases) and pay in full or on time
Consider becoming an authorized user on a well-managed account
If you have negative items, continue on-time payments to build positive history
Use secured credit cards or credit-builder loans if you’re rebuilding credit
Avoid closing credit cards unless there’s a strong reason
Reduce debt and maintain stable account balances
Monitor your credit score and utilization monthly
If you’re behind, bring accounts current as soon as possible
Negotiate with creditors if you have hardship, and seek reporting help if available