Pay all bills on time
Pay down credit card balances
Keep credit utilization below 30%
Make multiple payments during the month
Catch up on any past-due accounts
Dispute errors on your credit report
Check your credit reports for inaccuracies
Avoid opening too many new accounts
Avoid closing old credit cards
Become an authorized user on a well-managed account
Request a credit limit increase
Set up automatic payments
Use a mix of credit responsibly
Pay off collections if possible
Negotiate goodwill removals with creditors
Keep hard inquiries to a minimum
Leave unused old accounts open
Reduce overall debt
Ask for rapid rescoring if eligible
Monitor your credit regularly