Since you have been late in the past you now stand at a crossroad. Either you can revert to a troubled payment history or continue to keep up good and timely payments. Later in this guide the importance of keeping payments on time will be discussed. Read these sections with extra care. Nothing can ruin credit faster than making payments late. I might say that I can't stress this enough, but even by giving you this extra warning I'm still not stresing it enough. Once you have missed a payment in your life doing another time will be easier. You must remain extra vigilent and not let that happen.