Tips to avoid low credit scores

• Keep an updated list of all accounts, due dates, balances and credit limits
  (automate your bill paying process).
  
• Pay bills as soon as they arrive (as many as 100 points can be deducted per default).
  
• Keep an eye on all accounts carefully (keep balances low and spend around 1/3rd
  of your credit limit).
  
• Minimize credit card applications (avoid unnecessary credit).
  
• Check your credit report at least once a year.