1. Obtain a copy of your credit report from all three major credit bureaus: Equifax, Experian, and TransUnion. You can get a free copy once a year from AnnualCreditReport.com.
2. Review your credit reports for any errors or inaccuracies, such as incorrect account information, fraudulent activity, or outdated negative items.
3. If you find any errors, dispute them with the credit bureaus by providing supporting documentation. This can be done online, by mail, or over the phone.
4. Pay your bills on time and in full to establish a positive payment history, which is a key factor in determining your credit score.
5. Keep your credit card balances low relative to your credit limits. Aim to use no more than 30% of your available credit to demonstrate responsible credit utilization.
6. Avoid opening multiple new accounts in a short period, as this can lower the average age of your credit accounts and potentially indicate financial instability.
7. Consider using tools such as secured credit cards or credit builder loans to help rebuild your credit if you have a limited or poor credit history.
8. Monitor your credit score and reports regularly to track your progress and catch any potential issues early on.

By following these steps, you can proactively work towards improving your credit score and overall financial health.