Only apply for credit when you need it, and do your best to space out when you apply for new credit accounts
. Buy things with cash instead of credit. Stick to a budget so you don't spend more than you earn. Pay more than the minimum due on your credit cards. Build up a savings account so you have money for emergencies. Check your credit report for accuracy and make corrections where needed. Pay all of your bills on time. Correct errors on your report promptly.