Pay all bills on time
Set up automatic payments or reminders
Keep credit card balances low
Use less than 30% of your available credit
Pay credit card balances in full when possible
Avoid applying for too many new accounts
Keep old credit accounts open
Check your credit reports regularly
Dispute any errors on your credit reports
Become an authorized user on a well-managed account
Diversify your credit mix responsibly
Limit hard inquiries
Pay down existing debt
Avoid maxing out credit cards
Use credit responsibly over time