Pay all bills on time
Bring credit card balances down
Keep credit utilization below 30%
Pay off high-interest debt first
Make multiple payments during the month
Request a credit limit increase
Avoid closing old credit accounts
Keep older accounts open and active
Check your credit reports for errors
Dispute inaccurate negative items
Become an authorized user on a good account
Avoid applying for new credit unnecessarily
Use a mix of credit types responsibly
Catch up on any past-due accounts
Set up automatic payments
Pay down revolving debt before statement dates
Avoid maxing out any credit card
Keep hard inquiries to a minimum
Use secured credit products if needed
Monitor your credit score regularly