I normally tell them How important is to check their credit report for free at www.annualcreditreport.com for errors that can negatively impact their credit score and dispute any dicrepances with the three different bureaus.
Make payments on your credit cards and installments on time or before. And finally, credit issuers also look at the percent of your borrowing power, so is a good idea to be at 8 percent or lower in your credit card limit.
Best of Luck,
Maria E. Cipollone