Maintaining Good Credit

A great portion of badcreditfixup.com shows you how improve your FICO score. Once you get that FICO score to an acceptable level, (remember credit scores in the range of 690 -740 indicate good credit), now what! Your goal once you attain good credit scores is to keep it up there and continually work to increase your FICO score further. You will do this through awareness and good personal finance habits.

Here are a few tips to help you maintain a solid FICO score for the rest of your life.

Get organized : The most significant element of your FICO score is your payment history. Paying all of your obligations on time is the single most important thing you can do to keep your score up there. Be organized and involved in your day-to-day finances. Here are a few more tips on how to stay organized and pay your bills on time.

Understand your creditors : The reason most people get into credit score trouble isn't because they don't want to pay their bills on time, but for one reason or another they can't or they have fallen on hard times. It's especially important in these situations to understand whom you must pay and whom you can let slide if necessary.

You need to understand who does and doesn't report to the credit bureaus and when they report. For example, your cell phone provider and electric company may not report the credit bureau but your car finance company may report faithfully each month. These are examples of information you need to know regarding each of your monthly obligations. When it comes down to deciding which bill to pay, you're probably better off paying those people who report to the Credit Reporting Agencies first.

Negotiate : The last thing you want, is to simply ignore a bill and have it get reported as late to the credit bureau. This will have a devastating effect on your FICO score that may take you years to recover from. If you know that it's going to be tough to pay next month's Gas bill. Don't just sit there and not pay it. Call them up, tell them that you may not be able to pay next month's bill and that you're very concerned about your credit rating. Ask them if they'll accept partial payment for that month and if they can help you out in any way. You'd be surprised how well they receive responsible, proactive consumers.

Take responsibility and control yourself. Credit is too easy to get, and it's too easy to screw up.

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