Pay all bills on time
Keep credit card balances low
Pay credit card statements in full when possible
Make more than the minimum payment
Check your credit reports regularly
Dispute any errors on your credit reports
Avoid opening too many new accounts at once
Keep old accounts open if possible
Limit hard credit inquiries
Become an authorized user on a responsible account
Use a secured credit card if needed
Use a credit-builder loan
Diversify your credit mix responsibly
Reduce overall debt
Set up payment reminders or autopay
Avoid maxing out credit cards
Monitor your credit score over time