Pay bills on time
Keep credit card balances low
Pay more than the minimum when possible
Avoid opening too many new accounts at once
Check your credit reports regularly
Dispute errors on your credit report
Keep old accounts open when possible
Use a mix of credit types responsibly
Limit hard inquiries
Become an authorized user on a well-managed account
Set up payment reminders or automatic payments
Reduce overall debt
Maintain a low credit utilization ratio
Build credit history over time