Pay all bills on time, every time
Set up autopay for minimum payments
Reduce credit card balances, especially revolving utilization
Keep utilization below 30%; aim lower if possible
Pay down balances before the statement closing date
Avoid maxing out cards and opening new charges you can’t pay quickly
Maintain older credit accounts to preserve credit history length
Avoid closing unused credit cards unless necessary
Limit new credit applications and only apply when needed
Check credit reports regularly for errors
Dispute inaccuracies with the credit bureau(s) promptly
Verify account status for collections, charge-offs, and late payments
If you have negative items, consider “pay for delete” or goodwill requests where appropriate
Keep accounts in good standing with no additional late payments
Use credit-building cards responsibly if you need to establish or rebuild credit
Avoid transferring balances unless it improves utilization and you can repay within the promotional terms
Make extra payments to reduce principal faster
Keep a stable mix of credit types if you’re building credit (only open accounts you need)
Avoid cosigning loans unless you’re confident you can cover payments
Ensure your name, address, and personal information are consistent across accounts
Consider becoming an authorized user on a responsibly managed account (if it helps and won’t harm you)
Use secured credit cards or credit-builder loans if you have limited or damaged credit
Review your credit score factors and focus on the biggest impact items first