Pay all bills on time, every time
Set up automatic payments or reminders to avoid missed due dates
Reduce credit card balances to lower utilization
Keep credit utilization under 30% overall and per card
Pay down revolving balances before statement closing dates
Avoid maxing out any single credit card
Increase available credit by requesting a credit limit increase (without increasing spending)
Keep older credit accounts open when possible
Avoid closing unused credit cards
Use a mix of credit types responsibly (credit cards, auto loan, mortgage) if you already have them
Limit new credit applications and avoid opening multiple accounts in a short period
Apply for credit only when necessary
Check credit reports for errors and dispute inaccuracies
Ensure personal information is accurate on your credit reports
Address collections, charge-offs, and past-due accounts as soon as possible
Negotiate pay-for-delete or settlement terms where appropriate
Consider a secured credit card or credit-builder loan if you have limited credit
Become an authorized user on a reputable person’s account with low utilization and good payment history
Keep balances stable and avoid large fluctuations
Monitor your credit score regularly to track progress
Avoid co-signing or taking on excessive debt that could lead to missed payments