Pay all bills on time
Keep credit card balances low
Use less than 30% of your credit limit
Pay credit card balances in full when possible
Keep old credit accounts open
Avoid applying for too many new accounts at once
Check your credit reports regularly
Dispute any errors on your credit reports
Become an authorized user on a responsible person’s account
Use a secured credit card if you are starting out
Consider a credit-builder loan
Make all loan payments on time
Mix different types of credit responsibly
Avoid maxing out credit cards
Keep credit accounts active
Limit hard inquiries on your credit
Monitor your credit score over time