Pay all bills on time
Set up autopay for minimum payments
Reduce credit card balances
Keep credit utilization low
Pay down high-interest debt first
Avoid missing any payments
Keep old credit accounts open
Limit new credit applications
Only apply for credit when needed
Check credit reports for errors
Dispute inaccurate information
Become an authorized user on a well-managed account
Mix credit types responsibly
Avoid maxing out credit cards
Keep accounts in good standing
Pay more than the minimum when possible
Avoid closing unused accounts too quickly
Monitor your credit regularly
Build credit history over time
Use credit responsibly and consistently