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TIP 1: Pay your bills on time.
The credit record you establish today could stay with you for a long time. When you pay your bills on time, you establish yourself as a responsible, creditworthy individual. When your payments ar e late, it goes on your credit record and can work against you. Many landlords, employers and lenders access your credit history before they will rent to you, hire you or loan you money.

TIP 2: Pay at least the minimum amount due.
This is an absolute necessity if you are to keep and maintain a good credit record. If you don't pay the minimum, your account could be deemed delinquent by many lenders and you could start receiving late notices and late fees.

TIP 3: Pay your bills online.
Pay your credit card bills online for easy and timely payments. And remember, by paying on time, you not only build a good credit history, you also avoid costly late fees.

TIP 4: Don't "max out" your credit line.
It's important to not use up the entire credit limit on your account. It's best to set a limit and keep some credit available for emergencies, like medical bills or car repairs. By keeping your credit card charges down, it's also easier to pay your bills each month without stretching your budget.

TIP 5: Limit yourself to a few credit cards.
It's easier to keep track of your purchases and balances due if you carry only a few cards, as opposed to five or six credit cards. One or two major credit cards should be sufficient for most households.

TIP 6: Do a financial checkup.
Take time to find out where you actually stand financially. Educate yourself on the warning signs of too much debt, such as borrowing from one credit card to pay another, too many skipped or late payments, or insufficient funds to cover an emergency. Find out where you stand and take control.

TIP 7: Establish a budget.
Without a budget, it's just too easy to give in to impulse spending. Before long, you can find yourself in debt and playing catch-up. Avoid this situation by establishing a budget and sticking with it. Your budget should be a realistic one that reflects your income and expenses. Start by recording your expenses, and distinguishing between necessities and unnecessary expenses ? and then try to reduce or eliminate "impulse" purchases.

TIP 8: Set financial goals for yourself.
Your financial goal may be to set aside an emergency nest egg, pay off debt, or invest for a child's college education. Whatever it is, paying off your debts first and then setting aside even a small portion of your monthly income for yourself adds up over time and gives you a feeling of security and control.

TIP 9: Treat your credit accounts like your bank accounts.
You always know how much money you have in your bank account. It's important to treat your credit accounts the same way. You should always know your account balance, how much available credit you have, and when your next payment is due.

TIP 10: Monitor your credit report at least once a year.
Maintaining a good credit history is essential to securing future credit, loans and mortgages. Even if you think your credit history is problem-free, it's time you know for sure. Errors occur more often than you may think. Examining your credit report regularly allows you to verify the accuracy of the infor mation being reported by your creditors.

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