Pay all bills on time
Set up automatic payments
Reduce credit card balances
Keep credit utilization low
Avoid maxing out credit cards
Pay down debt consistently
Check your credit reports for errors
Dispute inaccurate information
Keep old accounts open
Avoid opening too many new accounts
Limit hard credit inquiries
Become an authorized user on a well-managed account
Use a mix of credit types responsibly
Catch up on any past-due accounts
Negotiate and settle collections when possible
Avoid closing unused credit cards if they help your utilization
Monitor your credit regularly
Keep accounts in good standing over time