Credit is something that has always come in handy. In today’s age however if you do not have good credit it can hurt your wallet a lot more then you think. It could not only effect your chances of buy a house or a car but also cause your insurance to go up hurt your chances to get a cell phone and more. I am not sure how credit went from something that we use every once in a while to something that effects our everyday life. So now more then ever we have to keep a close eye on how we treat our credit, because a little mistake today can cause big problems tomorrow. Several people have many different theories on how consumers should handle their credit in order to get the best results. One of the biggest problems with that is which one do you trust. To bad the people telling you how to manage your credit don’t show you theirs. Could you even imagine if you took credit advice from someone who had a credit score of 500? In my opinion the best advice is the simplest. Below are some key points that I think are nothing more then common sense and if followed would allow some one to have a great credit score.

* If you have credit with someone pay your bills on time.

* Don’t spend more then you can afford.

* Don’t keep high balances on your credit cards.

* More is not always better when it comes to the amount of credit card you have.