Pay all bills on time
Keep credit card balances low
Pay credit card balances in full when possible
Avoid maxing out credit cards
Maintain a low credit utilization ratio
Keep older credit accounts open
Limit new credit applications
Check your credit reports regularly
Dispute any errors on your credit reports
Become an authorized user on a responsible person’s credit card
Use a secured credit card if you are starting from scratch
Consider a credit-builder loan
Make consistent on-time payments for loans and credit cards
Mix different types of credit responsibly
Avoid closing unused accounts unless necessary
Monitor your credit score over time