Pay all bills on time
Pay down credit card balances
Keep credit utilization below 30%
Pay credit cards before the statement closes
Avoid opening too many new accounts
Avoid closing old credit accounts
Check your credit reports for errors
Dispute inaccurate information
Become an authorized user on a well-managed account
Ask for a credit limit increase
Set up automatic payments
Catch up on any past-due accounts
Reduce overall debt
Avoid applying for unnecessary credit
Keep older accounts active
Use a mix of credit responsibly