Answer:
Pay your bills as at when due
Step-by-step explanation:
The first and best way to avoid credit problem is timely payment of bills without delay. One of the things that affect your credit score is your payment history, Therefore you must be watchful regarding the number of days payment is missed, making payment after 30 days can go a long way in devastating your credit score point.
Timely payment of bills should affect all bills even the ones that are not directly reported to credit bureau as it can be transferred to credit agency which might eventually surface on your credit report.