If you’ve ever purchased a high end item such as a car or a home you know that  a good credit score can go a long way. Buyers with good credit scores not only get preferential treatment and better interest rates but often transactions can be completed faster and with less headache than those with below average credit. There are some obvious and simple ways to help maintain a good credit score. Here are some of them.

One thing you should do is first of all see where you stand. Check your credit score, request a free credit report. You are entitled to one free credit report per year. You need to check your credit report to make sure there are no error that you need to clear up or dispute.

Set yourself up with payment reminders.  Making your credit payments on time is one of the biggest contributing factors to your credit scores. Some banks offer payment reminders through their online banking portals that can send you an email or text message reminding you when a payment is due. You can also set up automatic payments.

One thing that is sometimes easier said than done but no less important is to reduce the Amount of debt you owe. The first thing you need to do is stop using your credit cards. Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts. Reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score anyway.

Try to pay your bills on time. Don’t get in the habit of letting your bills sit on the counter until they’re overdue. Delinquent payments, even if only a few days late, and collections can have a major negative impact on your FICO Scores.

If you have missed payments, get current as soon as you can. The longer you pay your bills on time after being late, the more your FICO Scores should increase.

There’s nothing like having good credit and if you follow some of these examples there’s no reason you can’t.