Pay your bills on time every time: Lenders take an unfavorable view of late payments.
Reduce your balances: Always be cautious not to overuse credit; limit your usage.
Keep a balanced mix of credit: It is preferable to have a good balance between secured (like a mortgage or car loan) and unsecured loans (like a credit card or personal loan). A surplus of unsecured debt could be perceived unfavorably.
Apply for new credit sparingly: Applying for new credit prudently will prevent the impression that you are constantly seeking excessive amounts of credit.
Check your joint, guaranteed, and co-signed accounts every month: You are equally responsible for late payments on accounts that were co-signed, guaranteed, or held jointly. Negligence on the part of your joint holder (or the assured individual) may result in

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