Check your credit report for errors and dispute inaccuracies
Pay all bills on time, every time
Set up autopay or payment reminders for minimum due dates
Keep credit card balances low
Aim to use less than 30% of your available credit limit
Avoid maxing out cards and making large purchases right before statement closing dates
Pay more than the minimum when possible
Make payments early in the billing cycle when feasible
Keep older accounts open to preserve account age
Use a mix of credit types when appropriate (revolving and installment)
Apply for new credit only when necessary to limit hard inquiries
Limit the number of new applications in a short period
Consider a secured credit card if you have limited or damaged credit
Use a credit-builder loan or credit-builder program if available
Keep utilization consistent rather than spiking month to month
Request credit limit increases if they won’t trigger additional spending
Verify that increased limits are reported and that utilization improves
Avoid closing credit cards unless there’s a fee or misuse risk
If you’re struggling, contact creditors to ask about hardship or payment plans
Avoid co-signing unless you understand the risk to your credit
Monitor your credit score and credit report regularly
Use reputable credit monitoring services or free annual report access
Build credit gradually with small, manageable charges and timely payments
Review your progress every 3 to 6 months and adjust habits