WEBVTT


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(upbeat instrumental music)


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Building good credit habits is really important.


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Here's why.


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Everything on your credit accounts is tracked


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when you pay, when you don't pay,


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how much you pay, how much you owe,all of it.


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So to build and maintain good credit, you have to use it wisely.


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The most important thing you will do


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for your credit history is pay your bills on time, every time.


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To help you remember, you can put a reminder on your calendar or phone,


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or you can even set up automatic payments.


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If you do accidentally miss a payment, make it as soon as possible,


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then make a point of staying on top of future ones.


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If you follow these rules and use your credit wisely,


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you will be on the path to good credit.