Check your credit reports from all three bureaus
Dispute any errors or inaccurate information
Pay all bills on time
Set up automatic payments or reminders
Pay down credit card balances
Keep credit utilization low
Avoid maxing out credit cards
Do not close old credit accounts unnecessarily
Keep older accounts open to maintain credit history
Limit new credit applications
Avoid hard inquiries unless necessary
Become an authorized user on a well-managed account
Use a secured credit card if you have limited or damaged credit
Consider a credit-builder loan
Catch up on past-due accounts
Negotiate payment plans with creditors
Pay collections accounts when possible
Monitor your credit regularly
Keep a mix of credit types if appropriate
Be patient and maintain good habits consistently