It's one of the surest ways to raise your credit score.

We know you have a lot going on in your life and bills get misplaced and writing checks is a pain. But you need a system to get every payment to every creditor, before the due date on your statement.

Missing a single payment -- even your gas or electric bill -- will be reported to the credit agencies and can lower your score by 10 to 20 points.

Click here to learn more about our six smart moves to raise your credit score.