Get free copies of your credit reports from all three bureaus
Check for errors, outdated accounts, and duplicate listings
Dispute inaccurate information with the credit bureaus
Pay all bills on time
Set up automatic payments or reminders
Bring past-due accounts current
Pay down credit card balances
Keep credit utilization low
Avoid closing old credit accounts
Avoid opening too many new accounts at once
Limit hard inquiries on your credit
Negotiate with creditors for payment plans or settlements
Ask for goodwill adjustments on late payments
Become an authorized user on a well-managed account
Use a secured credit card if needed
Consider a credit-builder loan
Keep older accounts active with small purchases
Monitor your credit regularly
Work with a nonprofit credit counselor if needed