Here are six steps towards building better credit.

1. Figure out where you stand. …
2. If you find errors, dispute them. …
3. Stop the bleeding. …
4. Pay all bills on time going forward. …
5. Pay down credit card balances. …
6. Don’t apply for new credit.
7. Correct any errors on the credit report. …
8. Become an authorized user. …
9. Raise your available credit. …
10. Negotiate. …
11. 1. Make minimum payments on time. …
12. Reduce debt-to-income ratio. …
13. Have a good mix of debt.