<prompt> Human: It is currently really good 811. I check everything credit cards, etc daily but I set up automatic min payments just in case. I usually have all three credit agencies locked. Of course, be careful is the obvious answer but what else could I do to make sure this score remains high? According to my fico score, length of credit history and payment are exceptional and amount of debt, credit mix and amount of new credit are very good. I pay everything off every month. The only new credit I received in the past 2 years is a new cell phone plan. Any other tips? Btw, I checked it because I thought it would be horrible because I never have debt.  <response>: You dont need to improve your credit score.Your strategy for avoiding a late payment is sound. Just keep doing what you are doing and your credit score will continue to far exceed what you need for the best rates 