Get free copies of your credit reports from all three bureaus
Review each report for errors, outdated items, and unfamiliar accounts
Dispute inaccurate information with the credit bureaus
Gather documents that support your disputes
Pay all bills on time going forward
Bring past-due accounts current if possible
Pay down credit card balances
Keep credit card utilization low
Avoid applying for too much new credit at once
Keep old accounts open if they are in good standing
Set up payment reminders or automatic payments
Contact creditors to negotiate payment plans or settlements
Ask for goodwill adjustments on late payments if appropriate
Become an authorized user on a well-managed account
Consider a secured credit card if you need to rebuild credit
Use a credit-builder loan if available
Monitor your credit reports regularly
Avoid credit repair scams and promises of instant fixes
Be patient and consistent over time