Pay every bill on time
Set up automatic payments or reminders
Pay down credit card balances
Keep credit card utilization low
Avoid maxing out cards
Make at least the minimum payment on all accounts
Check your credit reports for errors
Dispute any inaccuracies you find
Keep older credit accounts open
Avoid opening too many new accounts at once
Limit hard credit inquiries
Use a mix of credit types responsibly
Become an authorized user on a well-managed account
Consider a secured credit card if you have limited credit
Keep accounts in good standing
Catch up on any past-due accounts
Negotiate payment plans for delinquent debts
Pay collections if possible
Monitor your credit regularly