• Pay your bills on time, all the time - This proves your responsibility and assures creditors that you are a consistent and reliable consumer.
  
• Watch your amount of outstanding debt - Optimally, your account balances should be below 75% of your available credit.
  
• Watch your amount of available credit - Many accounts with high credit limits may concern lenders, who believe that access to too much credit could result in debt problems in the future.
  
• Keep credit inquiries to a minimum - Excessive inquiries imply that you have been seeking credit with various lenders, and may give potential lenders the impression that you are experiencing financial difficulties.
  
• Know what your credit report says about you - Regularly check your credit report and dispute any inaccuracies.
  
• Be patient - it will take time to improve your credit history. Check your credit score.

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