Pay every bill on time
Keep credit card balances low
Pay credit card statements in full when possible
Avoid maxing out credit cards
Keep old credit accounts open
Apply for new credit only when needed
Check your credit reports regularly
Dispute any errors on your credit reports
Use a mix of credit types responsibly
Become an authorized user on a well-managed account
Make all loan payments on time
Set up automatic payments or reminders
Keep credit utilization below 30%
Avoid too many hard inquiries in a short time
Maintain long-term accounts in good standing