Pay all bills on time
Keep credit card balances low
Use less than 30% of your available credit
Pay credit card statements in full when possible
Avoid missing payments
Open credit accounts only when needed
Keep older accounts open
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
Apply for new credit sparingly
Set up payment reminders or automatic payments
Build credit slowly and consistently