The easiest way to do this is to setup automatic payments or payment reminders through your bank or credit card.
Do this first! (These are aka credit cards) This has the biggest impact on your credit score of all debt repayment.
Don’t close unused credit cards as a short term strategy, it may actually lower your score (But in the long run, if you don’t use them, close them out!)
It’s free and important! Go to http://www.