Check your credit reports from all major bureaus for errors
Dispute inaccurate accounts, balances, late payments, and inquiries
Pay all current bills on time going forward
Bring past-due accounts current as soon as possible
Pay down credit card balances to below 30% of the limit
Keep older credit accounts open if possible
Avoid opening multiple new credit accounts at once
Set up automatic payments for minimum amounts due
Contact creditors to request goodwill adjustments for isolated late payments
Negotiate payment plans or settlements for delinquent accounts
Become an authorized user on a well-managed credit card
Use a secured credit card responsibly
Consider a credit-builder loan
Reduce overall debt as much as possible
Avoid maxing out any credit cards
Limit hard inquiries by applying only when necessary
Monitor your credit regularly for changes
Keep personal information updated with creditors and bureaus
Wait for negative items to age off your report if they cannot be removed
Work with a reputable nonprofit credit counselor if needed