Check your credit reports for errors and dispute any inaccuracies
Pay every bill on time
Bring all past-due accounts current
Pay down credit card balances
Keep credit card utilization below 30%, ideally below 10%
Make multiple payments during the month if needed to lower reported balances
Ask for a credit limit increase without increasing spending
Avoid closing old credit card accounts
Keep old accounts open and active with small purchases
Become an authorized user on a well-managed credit card
Use a secured credit card if you have limited or damaged credit
Use a credit-builder loan
Avoid applying for new credit unless necessary
Set up automatic payments for at least the minimum due
Pay collections if the creditor agrees to update the account positively
Negotiate pay-for-delete only if the collector agrees in writing
Keep credit inquiries to a minimum
Monitor your credit regularly
Maintain a mix of credit types if possible
Let positive payment history build over time