Pay all bills on time
Set up automatic payments
Pay down credit card balances
Keep credit utilization low
Avoid maxing out credit cards
Pay more than the minimum when possible
Check your credit reports regularly
Dispute any errors on your credit reports
Keep old credit accounts open
Avoid opening too many new accounts at once
Limit hard inquiries
Use a mix of credit types responsibly
Become an authorized user on a well-managed account
Ask for a credit limit increase without increasing spending
Catch up on past-due accounts
Negotiate payment plans for delinquent debts
Avoid closing unused accounts if they help your credit history
Monitor your credit score over time
Use credit responsibly and consistently