Check your credit reports from all three bureaus
Dispute any errors or inaccurate information
Pay all bills on time
Bring past-due accounts current
Reduce credit card balances
Keep credit utilization low
Avoid closing old credit accounts
Limit new credit applications
Set up payment reminders or autopay
Negotiate with creditors for payment plans
Pay down high-interest debt first
Become an authorized user on a well-managed account
Use a secured credit card responsibly
Keep older accounts open and active
Monitor your credit regularly
Avoid collections and charge-offs
Wait for negative items to age off your report
Seek help from a reputable credit counselor