Maintaining a watch on your credit score is something you should do on a regular basis and not something that you only look at when your rating falls below a certain point.
As part of your overall financial management and budgeting you should check your credit score and see if there are any areas that can be improved upon to help boost it.
Most of these changes take very little effort and usually it is more the time factor that affects your score so checking it and taking action as soon as required will help you to maintain it at a higher level for longer.
Your credit history will therefore look more favorable and that will make any future financial transactions easier and more beneficial for you.
You can get a free credit report from each of the major credit bureaus and you should take advantage of that opportunity to check your rating on a regular basis as even someone who maintains good monetary policy can be affected by outside factors such as identity theft and errors made by the credit bureaus.
Errors or other credit problems need to be addressed immediately as they become bigger problems the longer they are left. It is easier to maintain your credit score than to repair it.
If you have different forms of credit you will find that your credit score can be constantly changing and you need to make the changes necessary to keep that score as high as possible.
Any work you put into maintaining a higher credit score will be paid back to you many times over with reduced interest rates and lower payments on loans.
Keeping your score high is relatively simple and the more you work at it the easier it becomes.
Anything can happen in life and even the best of financial planners can be faced with monetary problems throughout their life - Good credit scores make these times a lot easier to manage.