 You have got to pay everything on a timely basis. That's the biggie. I mean, so many people, they pay their bills, but they don't pay them by the date due. They'll say, well, you know, this is when I got paid. Well, you've got to pay everything by the date it's due. And you don't want to start closing credit cards. So let's say that you have five credit cards, but you only really use two of them.