Pay all bills on time
Pay down credit card balances
Keep credit utilization below 30%
Keep old accounts open
Avoid applying for new credit
Check credit reports for errors
Dispute inaccurate negative items
Become an authorized user on a well-managed card
Ask for a credit limit increase
Set up automatic payments
Reduce outstanding debt
Catch up on any past-due accounts
Avoid closing credit cards
Use a mix of credit responsibly
Pay credit card balances before the statement closes
Remove collections if possible through negotiation
Monitor your credit regularly