Let’s face it, you can’t get around your credit score if you are planning on buying a home, taking out a loan, or opening a credit card. In fact, you may be denied homeowners or auto insurance, opening a bank account, or even a potential job due to a low credit score. If you haven’t put much thought into your credit score before and are wanting to make it a priority in 2013 to boost your your “status” and purchasing power, here are a few things to consider:#1 Make your payments on time! Nothing will spoil your credit faster than making your payments late or not at all. Establishing a history and raising your score depends on you being a reliable debtor. Paying your bills on time on a consistent basis will show your creditors that they can trust you. After three months of paying on time, as well as at least the minimum payment amount, you will begin to establish a credit history.If you are late, creditors are forgiving when it happens once, or maybe even twice, but there will always be a price to pay for not paying on time- late fees! Keep in mind you don’t have to charge up your cards to be seen as responsible. It’s better to carry a small balance with the option to pay it off every month (while saving on interest) than to carry a large balance and be seen as abusing your credit worthiness.#2 Keep your credit card balances low- Paying down your balances is one of the best ways to boost your score. Even if you only have $10 extra to pay every month, it will go to your principal balance and knock you balance down faster than making only the minimum monthly payment. If you have the option, borrow from a family member or friend and pay down a large portion of your balance. Even though payday loan lenders don’t report to credit bureaus, it is wise to pay them off as soon as possible to avoid high interest rates and fees.#3 Don’t “max out” your credit cards- A general rule of thumb is to keep your balances at 30% or below of your credit limit. It’s better to have more than one card with a balance of under 30% than one that at or close to its limit. You will be seen as more of a credit risk if your dent is high and harder to pay.#4 Don’t close your accounts once they are paid off- This can actually hurt your score. Creditors are looking for good credit history. If you close a card, that is once less creditor that will report to the credit bureaus. Consider using older cards on occasion so your creditors will continue to report your information.#5 Open a secured credit card- This this type card requires that you give the creditor an upfront security deposit (usually about $200). The amount you give is essentially your credit limit. You still use the card like the others, making monthly payments, but in the case that you don’t make a payment, the creditor will draw from the amount you put down initially. This type of credit is good for people who have little credit history or are struggling with a low score.Lenders who provide auto title loans, cash advances and pay loans do not report to credit bureaus. It is still important to make those payments on time but if you are expecting to see a credit rating hike by borrowing with these creditors, you will be disappointed.