Why Maintaining Your Credit is Harder than Improving It

[Y]ou get the notice in the mail that says your 30 days past due on a credit card. You can’t believe you forgot to make the last payment, and you know it dinged your credit. You had the money; you just got busy with summer vacation or the kids’ soccer games and forgot to make the payment.
You wo...
Why Maintaining Your Credit is Harder than Improving It