Pay every bill on time
Keep credit card balances very low
Pay credit card statements in full each month
Maintain a long credit history
Keep old credit accounts open
Limit new credit applications
Use a mix of credit types responsibly
Check credit reports regularly for errors
Dispute inaccuracies immediately
Avoid carrying high revolving debt
Keep credit utilization below 10%
Avoid closing unused accounts unnecessarily
Make all loan payments on schedule
Avoid maxing out any credit card
Space out hard inquiries
Build credit gradually over time
Monitor your credit score consistently
Keep overall debt low
Use credit only when needed
Be patient and consistent