Check all three credit reports for errors
Dispute inaccurate accounts, balances, late payments, and inquiries
Pay every bill on time
Set up autopay or payment reminders
Pay down credit card balances
Keep credit utilization below 30%, ideally below 10%
Bring past-due accounts current
Negotiate pay-for-delete only if the creditor agrees in writing
Avoid applying for new credit unless necessary
Keep old accounts open
Become an authorized user on a well-managed account
Ask for credit limit increases without adding new debt
Pay collections if they are harming your score
Use a secured credit card if you have limited credit
Use a credit-builder loan if available
Avoid closing paid-off cards
Monitor your credit regularly for changes
Work with a reputable nonprofit credit counselor if needed