Pay every bill on time
Bring credit card balances below 30% of the limit
Pay down balances below 10% if possible
Make multiple payments during the month
Avoid new late payments
Dispute errors on your credit reports
Check all three credit reports for inaccuracies
Keep old credit accounts open
Avoid opening too many new accounts at once
Limit hard inquiries
Become an authorized user on a well-managed account
Ask for a credit limit increase without adding spending
Set up autopay for at least the minimum payment
Catch up past-due accounts as soon as possible
Negotiate removal of collections if allowed
Use a secured credit card if rebuilding credit
Use a credit-builder loan if available
Keep credit utilization low across all cards
Mix credit types responsibly
Monitor your credit score regularly