Pay bills on time
Set up automatic payments
Keep credit card balances low
Pay down existing debt
Avoid maxing out credit cards
Keep credit utilization below 30%
Check your credit reports regularly
Dispute inaccurate information
Avoid opening too many new accounts
Limit hard credit inquiries
Keep old credit accounts open
Maintain a mix of credit types
Become an authorized user on a responsible account
Use a secured credit card if needed
Pay more than the minimum payment
Reduce outstanding loan balances
Avoid late payments
Avoid collections accounts
Negotiate payment plans for overdue debts
Build a consistent payment history
Monitor your credit score
Update personal information with creditors
Avoid closing unused credit cards too quickly
Request a credit limit increase responsibly
Use credit only when necessary