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The quality of our credit is a big concern for a lot of us these days. If you’re worried about the state of your credit, you should know that you’re not alone. There are lots of others out there who want to know what they can do to improve their credit. Here are the five most important things you can to to keep your credit in top shape and avoid problems.

1. Purchase LifeLock Identity Theft Protection Does identity theft protection really help? Many people feel that it does, and you’ll find that LifeLock is a relatively inexpensive service that provides you with a sense of security. After all, identity theft is one of the most devastating crimes that can happen to you, even if it doesn’t happen very often. Many people feel that even the small likelihood that they’ll lose their identity to someone unscrupulous is too big a risk. If you agree, you need to take steps to make sure your identity is safe. LifeLock identity theft protection services are one way to do that.

2. Monitor your credit annually, with your free credit report Residents of most states are entitled to a free annual credit report. You can get yours over the phone, through the mail, or online, from all the major bureaus. Worried about other people getting a copy? Don’t be – you’ll have to answer quite a few questions to prove your identity and make sure you’re the one who should be reading this report. You won’t get your credit score included in this report, but you will find out if there are any black marks on your record.

3. Call creditors if you are going to be late One thing that many people don’t know is that if you know you are going to be late on a payment, you can call your credit company in advanced and let them know. Most times they will give you an extension, sometimes up to 90 days. This way they don’t report it to the credit bureaus, and it won’t affect your credit. Communicating with those that you owe money to is critical. You will find that most times people are understanding as along as you are honest and timely.

4. Limit the use of credit to major purchases Lots of people all over the country are experiencing problems because they cannot afford the debt that they have accumulated. This is largely due to making small purchases, like clothes, food, and outings, on credit cards. Credit should truly only be used to purchase big items like cars and homes. Otherwise, you are digging yourself into a hole that will be difficult to get out of whenever an emergency comes along. Try to pay cash for smaller items, and leave credit for the big stuff.

5. Make on-time payments When you do have to use your credit cards never make only the minimum payment, unless you absolutely can’t afford to pay more. Also, never skip a payment without talking to your creditors first and making sure that it’s okay and won’t be reported. All of these will together help to improve your score and get you out of debt.

LifeLock is an identity theft protection program that has been helping people protect their credit and their identities for years. It’s a great program, and many believe that Life Lock not only gives them a great program, but peace of mind as well. To find out more about LifeLock, go to www.lifelock.com.