Here are seven things you can do to keep your credit score vital and strong.

1. PAY ON TIME.

All missed and past due payments lower your credit score. Set calendar reminders to ensure checks are received with enough time to be processed by the due date.

2. PAY OFF ANY BILLS "IN COLLECTION."

Work with creditors to modify terms and get those new terms in writing. Willingness to pay is an important factor in rebuilding your credit.

3. DON'T CLOSE ACCOUNTS.

This can lower your rating because by canceling them you delete important payment history.

4. DON'T CONSOLIDATE DEBT USING NEW CREDIT CARDS.

Smaller payments made on time to multiple cards is better for your overall credit score than one larger revolving account.

5. KEEP A CLOSE EYE ON YOUR DEBT-TO-CREDIT RATIO.

Your total debt should not exceed 30% of your available credit. Apply that same rule to each account to keep on track.

6. WORK WITH A CREDIT COUNSELOR.

If your credit rating is low and you are struggling to pay off debt you may want to consider working with a credit counselor.

7. REQUEST A COPY OF YOUR CREDIT REPORT...

annually and review it thoroughly. Look closely for mistakes and contact card companies and lenders to be sure proper corrections are made.

We're here to help. Call us anytime.