Pay all bills on time, every time
Set up autopay and payment reminders
Reduce credit card balances, aiming for low utilization
Keep credit utilization under 30% overall and under 10% per card
Pay down revolving balances before statement closing dates
Avoid maxing out cards and stop new charges on high-utilization accounts
Make multiple payments during the month if it helps lower reported utilization
Avoid opening many new accounts at once
Limit hard inquiries by applying only when necessary
Check your credit reports regularly for errors
Dispute incorrect items on your credit reports
Keep older accounts open when possible to preserve account age
Use credit cards periodically for small purchases and pay in full
If you have no or thin credit, consider a secured credit card or credit-builder loan
Keep a mix of credit types if it fits your situation
Avoid closing credit cards unless there’s a strong reason
Manage any past-due accounts with a payment plan or hardship options
Bring delinquent accounts current as soon as possible
Keep balances stable after improving utilization to maintain gains
Use authorized user accounts only if the account holder maintains low utilization and on-time payments
Avoid co-signing or taking on new debt that could raise utilization or create missed payments