- Check your credit report: Get a free copy from Equifax or TransUnion. Use services like Credit Karma or Borrowell to check your credit score. Dispute any errors.- Pay bills on time: Timely payments boost your credit. Set up automatic payments or reminders.- Pay off debt: Aim to keep your credit utilization under 30%. Pay off high-interest debts, request a higher credit limit, or consolidate into a lower-interest loan. Consider lenders like Refresh Financial or Fairstone.- Re-establish credit: If you have bad or no credit, get a secured credit card, a loan, or a line of credit. Co-signing or becoming an authorized user can help, but use credit wisely and pay on time.