-Do not close your credit card accounts. Pay them off or get them down to only 25% of our available credit but keep at least 3 open.
-Pay your bills on time, maybe set up an auto withdraw if this is an issue for you
-If you have an old collection- over a year, do not pay it. It will renew the collection on your credit and hurt it as if it is new. These items are not as bad as time goes on and paying it makes it new again, even though you were trying to do a good thing. It doesn't remove it, it renews it.
-check what is on your report. There is a chance that there are mistakes that can be cleared up.
-Don't have your credit run and re-run- Its okay if your shopping for a mortgage but don't go and try to get a new credit card and then go try to get a car loan. Too many inquiries hurts your credit.
Best of luck!!