Even if you cannot pay in full, be sure to make the minimum payment.
Make sure you’re not using too much of your available credit.
This may concern creditors and be deemed irresponsible behaviour.
If you apply for new cards, make sure you don’t do so too frequently. This behaviour may look irresponsible to creditors.
You don’t want to see your bills have gone unpaid because the mail didn’t go to the correct address.
There’s no reason to wait for the bills to come in the mail. You should make sure payments are clearing and cards are being kept current.
Paying down delinquent accounts won’t remove missed payments from your report. But it can make you look better to creditors.
Sometimes information reported to the credit reporting agencies isn’t quite right or is incomplete.
The credit reporting agencies make it easy for you to dispute these inaccuracies. And remember, credit bureaus are just the messenger - it’s up to you to let them know one of your creditors reported inaccurate information.
Credit scores are incredibly important.
They can represent an interpretation of your creditworthiness and may help creditors decide
what kind of risk you are and what interest rate you will be offered.
Pay careful attention to your credit history so you know where you stand.
And remember, pay your bills.