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A trick that might be helpful.
I have my credit card set to auto pay the minimum balance every month. That way even if (ok when) I forget to pay the bill I'm always in compliance with the TOS. Last month for the first time in years I paid the bill a week late. It cost me a few bucks in interest, but no penalties and no report to the bastages at Experian, etc.
I hate Experian. My wife responded to one of their "Credit Alert" come-ons. It scared her, she did something, and somehow as a result they started charging her credit card $17 a month to monitor her credit score. Their cancellation procedure was so convoluted she ended up having to cancel her credit card to get them to stop charging her.
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