[Kracka]

FYI: Everytime you (or anyone else) checks your credit score (with your permission) it is lowered slightly. Checking it once a year is a good idea, but just don't do it too often. Getting insurance quotes, applying for loans/credit cards/etc. all lower your score slightly.

Only buy what you can actually afford and always make your payments on time. A few late payments can really affect your score, this includes cable TV, utility bills, everything.