Pay every bill on time
Set up autopay for at least the minimum payment
Pay down credit card balances
Keep credit utilization below 30%
Keep utilization below 10% if possible
Make multiple payments during the month
Ask for a credit limit increase
Do not close old credit cards
Keep older accounts open and active
Check your credit reports for errors
Dispute any inaccurate negative items
Avoid new hard inquiries
Limit new credit applications
Become an authorized user on a well-managed card
Pay off collections if it helps your situation
Negotiate pay-for-delete only if available
Bring past-due accounts current
Use credit cards lightly and consistently
Keep installment loan payments current
Mix credit types only if needed
Monitor your score regularly
Avoid maxing out any card
Avoid late payments at all costs
Use reminders for due dates
Request goodwill adjustments for isolated late payments