5. Paying bills on time

The biggest factor in your credit score is payment history, taking up a surprising 35%. You can see now why it’s so important to pay your bills on time.

Much like your savings, you should start automating your bill payments. In some cases, you might be unable to foot an entire bill but you should at least automate the minimum amount. You should avoid penalties as often as you can.

You have two viable options: automatically sending money from your checking account or setting up reminders on your calendar.