Credit score upkeep is vital to maintaining a positive financial outlook. There are a few things that can be done to make it easier to keep on top of your credit. Putting a spending alert on your credit cards can let you know when you are approaching using 30% of your available credit for that card. Using more than 30% of your available credit can have a negative impact on your credit score so staying below the 30% mark is important. Taking advantage of free annual credit reports is also a good idea; keeping track of what your actual score is can help you to make changes to spending habits when necessary. If an error is found on your credit report, such as a missed payment that is incorrect, follow up with the credit reporting agency and get the error taken care of. Even one reported missed payment can make a huge dent in your score. If you find there are several errors on your credit report, the process to dispute all of them may be overwhelming so getting help from a credit repair company may be helpful. These are just a few examples of things that can be done to keep your credit score healthy. If you are interested in refinancing or getting a new home loan, keeping on top of your credit score is very important so you can take advantage of the best interest rates offered.