Get your credit reports from Equifax, Experian, and TransUnion
Review each report for errors, outdated accounts, and inaccurate balances
Dispute any incorrect information with the credit bureaus
Contact creditors to correct reporting mistakes
Pay all bills on time every month
Bring past-due accounts current as soon as possible
Reduce credit card balances
Keep credit card utilization low
Avoid opening too many new accounts at once
Keep older accounts open when possible
Set up payment reminders or automatic payments
Negotiate payment plans or settlements for delinquent accounts
Ask for goodwill adjustments on isolated late payments
Use secured credit cards or credit-builder loans if needed
Monitor your credit regularly for changes and new errors
Avoid credit repair companies that make unrealistic promises
Be patient and maintain good credit habits consistently