Pay every bill on time
Set up automatic payments
Keep credit card balances below 10% of your limits
Pay credit card balances in full each month
Avoid maxing out any credit card
Keep old credit accounts open
Do not close your oldest credit cards
Limit new credit applications
Avoid hard inquiries unless necessary
Check your credit reports regularly
Dispute any errors on your credit reports
Maintain a mix of credit types
Become an authorized user on a well-managed account
Keep installment loan payments current
Pay down existing debt
Avoid carrying high revolving balances
Ask for credit limit increases without increasing spending
Use credit cards regularly and responsibly
Keep accounts in good standing
Let positive history build over time