Since 2005, FICO has been tracking the average American credit score, ranging from 300 (poor) to 850 (excellent). Since then, in April and October of every year, a new average score is announced, giving new hope in consumers that the economy is improving along with their credit.

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For a year, the average had plateaued at 699, but in April the score sprung to 700, deemed a “good” rating and good news for consumers.

While we await the new average score this October, how does your credit stand? Whether or not it’s anywhere close to 700, there’s plenty of time to improve your own score. Three credit alerts can even remind you to take the steps you need to repair your credit.

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PAYMENT REMINDERS

Paying your bills on time is one major step you can take to improve your score. You can even speed up the process by scheduling your credit card to pay the bills you want in the order you want them paid. But just because a bill is due doesn’t mean everyone has the necessary funds to automatically pay.

If you manually pay your bills, you’ll want an extra reminder to help you stay on track making timely payments. That’s why Bill Payment Reminders are a godsend.

Most people login to their banking or credit card website and access this alert from their account settings. If you plan on getting reminders from your phone, you can even download your credit card provider’s app and access your account no matter where you are.

Your account settings will allow you to set the alert as close or far out from a bill’s due date as you want. Better give yourself extra time if you typically need to save up for a pending bill.

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BALANCE ALERTS

Credit scores improve more quickly when the amount you’ve charged on your credit cards is far lower than your credit limit and when your minimum payment due is a manageable amount. So, to catch yourself before you go past your limit and to avoid any surprises , send yourself balance notifications.

CARD USE NOTIFICATIONS

Check your card’s provider to request notifications when purchases are made using your credit card. You can choose to receive email or text alerts, whichever give you better peace of mind.

Tip: If you’re planning a shopping spree, you might want to receive the more discreet email option, so you’re not inundated by your own spending alerts.

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This October, look out for FICO’s next announcement to see how the average American credit score has improved. Meanwhile, make sure to take steps to repair your own credit by setting up the 3 alerts we recommend. To grow your score steadily over time, it helps to have reminders to schedule your bills and spend steadily too.