Pay every bill on time
Bring credit card balances below 30% of the limit
Pay credit card balances in full if possible
Make multiple payments during the month
Avoid closing old credit accounts
Keep old accounts open and active
Dispute errors on your credit report
Check your credit reports from all major bureaus
Become an authorized user on a well-managed account
Ask for a credit limit increase
Avoid applying for new credit too often
Use a mix of credit types responsibly
Catch up on any past-due accounts immediately
Set up automatic payments
Negotiate charge-offs or collections
Use secured credit cards if rebuilding credit
Consider a credit-builder loan
Keep hard inquiries to a minimum
Reduce overall debt as quickly as possible
Monitor your credit regularly