Pay all bills on time
Keep credit card balances low
Pay down credit card debt
Avoid maxing out credit cards
Make at least the minimum payment every month
Check your credit reports for errors
Dispute any inaccurate information
Keep old credit accounts open
Avoid opening too many new accounts at once
Limit hard credit inquiries
Become an authorized user on a well-managed account
Use a mix of credit types responsibly
Set up automatic payments
Ask for a credit limit increase if appropriate
Catch up on any past-due accounts
Work with creditors on payment plans if needed
Avoid closing unused accounts unless necessary
Monitor your credit regularly