Pay every bill on time
Set up automatic payments
Pay down credit card balances
Keep credit utilization low
Avoid maxing out credit cards
Make more than the minimum payment when possible
Keep old credit accounts open
Limit new credit applications
Check your credit reports for errors
Dispute inaccurate information
Become an authorized user on a responsible account
Diversify your credit mix over time
Avoid closing unused accounts unless necessary
Pay off collections or delinquent accounts
Catch up on any past-due accounts
Use credit regularly and responsibly
Keep balances low before statement dates
Monitor your credit score regularly