Pay every bill on time
Keep credit card balances low
Pay credit card statements in full when possible
Avoid maxing out credit cards
Keep old accounts open
Apply for new credit only when needed
Check your credit reports regularly
Dispute any errors on your credit reports
Use a mix of credit types responsibly
Become an authorized user on a well-managed account
Set up payment reminders or autopay
Keep debt levels manageable
Avoid frequent hard credit inquiries
Build credit slowly and consistently