Always pay your bills on time.
Always use the same name when you apply for credit.
Apply only for loans or credit products you really need.
Make sure the information in your credit report is correct.
Avoid opening many credit accounts in a short period of time.
Do a budget and stick to it.
Close out any credit accounts you don't use.
Always make sure there is money in your account to cover checks you write.
Always pay at least the minimum due. Above the minimum is even better.
Avoid reaching your credit limit or "maxing out" your cards.
If you do have trouble making payments, contact your creditors quickly. Many will work with you to create a payment plan you can manage.
Consider purchasing credit insurance to help protect your future.
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