10 Credit Tips From Someone With a Perfect Credit Score

1. Pay your bills on time (and don't be afraid to request a waiver if you're late)

2. Set up as many automatic payments as possible

3. Don't carry a balance if you don't have to

4. Don't check your credit score each month

5. Don't be afraid to increase your credit limit

6. Ask your lender to lower your interest rate

7. Keep good-standing accounts open and use them from time to time

8. Only open accounts when it makes financial sense

9. Focus on your revolving debts first

10. Check your credit report annually

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