1. Pay everything on time! Even if itâ€™s only the minimum payment.
2. Pull a copy of your credit reports from all three reporting bureaus. You can obtain free copies from http://www.AnnualCreditReport.com (I believe they allow you to pull a report annually for no charge).
3. Check for errors on your credit report. You can file a dispute to correct inaccuracies.
4. Itâ€™s better to have several credit cards open with low balances versus one card with a high balance. Frequently opening and closing accounts in a short time span can result in a lower score.