Automate the minimum payment on every credit account. Payment history is 35% of your FICO score — the single largest factor. One missed payment can drop your score by 100+ points.
Everyone. Set it up once and your most important credit factor is protected permanently.
Log into every credit card, loan, and bill account.
Set up automatic minimum payment on each account.
Pay extra above the minimum manually each month.
Set calendar alerts 5 days before each due date as a secondary backup.