Pay all bills on time
Keep credit card balances low
Use credit cards regularly and responsibly
Avoid maxing out credit cards
Keep older credit accounts open
Limit new credit applications
Check credit reports for errors
Dispute inaccurate information
Become an authorized user on a responsible account
Consider a secured credit card
Use a credit-builder loan
Pay more than the minimum when possible
Maintain a mix of credit types
Keep credit utilization below 30%
Avoid closing old accounts unnecessarily