Pay every bill on time
Set up autopay for at least the minimum payment
Keep credit card balances very low
Use less than 30% of your credit limit, ideally under 10%
Become an authorized user on a well-managed credit card
Open a secured credit card if you have little or no credit
Open a credit-builder loan
Keep old accounts open
Avoid applying for many new accounts at once
Check your credit reports for errors and dispute mistakes
Ask for a credit limit increase without adding new debt
Mix credit types responsibly if needed
Pay credit card balances before the statement closes
Avoid late payments, collections, and maxing out cards
Monitor your credit score regularly
Use rent and utility reporting services if available