Check your credit reports from all major bureaus
Dispute any errors or inaccurate information
Pay all bills on time
Set up automatic payments or reminders
Reduce credit card balances
Keep credit utilization low
Avoid closing old credit accounts
Avoid applying for too many new accounts
Pay down overdue accounts
Bring delinquent accounts current
Negotiate payment plans with creditors
Use a secured credit card if needed
Become an authorized user on a well-managed account
Keep a mix of credit types if possible
Monitor your credit regularly
Avoid maxing out credit cards
Do not miss minimum payments
Keep older accounts active
Resolve collections accounts when possible
Wait for negative items to age off your report