Pay all bills on time
Pay down credit card balances
Keep credit utilization below 30%
Keep old accounts open
Avoid opening multiple new accounts
Check credit reports for errors
Dispute inaccurate negative items
Become an authorized user on a well-managed account
Ask for a credit limit increase
Make multiple payments each month
Bring past-due accounts current
Set up autopay for minimum payments
Pay off small collections if possible
Avoid closing credit cards
Limit hard inquiries
Use a mix of credit responsibly
Monitor your credit regularly