1. Pay bills on time 2. Keep credit card balances low 3. Don't open new credit cards 4. Monitor your credit report regularly 5. Pay off debt 6. Don't close old accounts 7. Don't apply for too much credit 8. Limit hard credit inquiries 9. Don't co-sign loans 10. Dispute inaccurate information on your credit report 11. Don't take out payday loans 12. Use credit cards responsibly 13. Pay more than the minimum payment 14. Use a secured credit card 15. Don't overspend 16. Set up automatic bill payments 17. Reduce the amount of debt you owe 18. Request a credit limit increase 19. Become an authorized user on someone else's credit card 20. Ask for a goodwill adjustment from your creditors
