Pay every bill on time
Bring credit card balances below 30% of your limits
Pay down balances below 10% if possible
Make multiple payments during the month
Ask for a credit limit increase
Keep old credit card accounts open
Avoid opening several new accounts at once
Check your credit reports for errors
Dispute inaccurate negative items
Become an authorized user on a well-managed account
Use a secured credit card if you have limited credit
Set up autopay for at least the minimum payment
Catch up on any past-due accounts immediately
Avoid closing unused credit cards
Reduce overall debt as quickly as possible
Limit hard inquiries on your credit report
Use credit consistently and responsibly
Ask lenders to remove late payments if eligible
Pay off collections accounts when appropriate
Monitor your credit score regularly