Maintaining a high credit score will earn you the respect of bankers, mortgage lenders, landlords, and potential employers. They will reward your responsible use of money with lower interest rates and attractive loan terms. When it comes time to buy a car or house, you’ll be glad you paid attention to the small habits that keep credit scores strong—such as paying credit card bills on time.
Your spending, borrowing, and even rent-paying behavior determines how your credit score may rise or fall on a continuing basis. The following links explore this subject in greater detail