Pay on time
Check your credit report
It is always a good habit to check your credit report at least once a year to monitor your own credit performance and identify areas that you can work upon to improve your credit score. A careful review of the report also helps in uncovering errors. Report the errors immediately to avoid it from ruining your reputation as a trustworthy borrower.
Have an emergency fund
Put aside at least 10% of your monthly income to build up an emergency fund. Such a reserve saves you from a lot of worries when an unexpected expense comes up.
Good credit habits not only help you in maintaining a good credit score, but they also help you to take charge of your finances as well. So make these habits a part of your financial plan.