Once your review of your credit report is completed and you have verified that all the information and debts reporting are correct, the next step is to correct any situation that may be lowering your score. It goes without saying, bills must be paid on time! This is a major part of maintaining a good credit history and rating. Try setting up auto drafts or payment reminders so you never miss a due date. It is also important to utilize credit wisely, do not over extend. We recommend that you put aside money in an account dedicated solely to paying your bills so you don’t run into money management trouble.