We know that credit scores are important. And most advice you will find online deal with the things that you can do to lower your rate. But the best advice you will ever hear is advice that will help you avoid the crucial missteps that hurt your credit score in the first place.

Thankfully, Connie Mei, writing for just published a list of those activities. And it starts with what should be the most obvious mistake you can make: late payments. When you miss a payment, you are signaling to creditors that you do not make your payments on time, which makes you a more risky investment for them. If you make all your payments on time, you will keep your credit score high.

For the full list, click here.

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