Pay every bill on time
Bring credit card balances below 30% of your limit
Pay down balances to under 10% if possible
Make multiple payments during the month
Avoid missing any due dates
Set up autopay for at least the minimum payment
Request a credit limit increase
Do not close old credit cards
Keep older accounts open and active
Dispute any errors on your credit reports
Check all three credit reports for mistakes
Remove collections or late payments if they are inaccurate
Become an authorized user on a well-managed account
Avoid applying for new credit unless necessary
Limit hard inquiries
Pay off small debts first
Catch up on any past-due accounts
Negotiate pay-for-delete only if available
Use a secured credit card responsibly
Use a credit-builder loan
Keep credit card accounts active with small purchases
Wait for negative items to age off your report
Monitor your credit score regularly