Historically, consumers’ credit scores fall steadily every year between December and February. That’s inevitably because we’re paying off our holiday purchases in January and the first months of the new year. But that process of trying to work ourselves out of the hole — or even just one late payment — can cause your credit score to take a dip. And this three-digit figure plays a big role in your family’s financial future. Here’s what you can do (and not do!) to maintain your flawless credit score over the next few weeks.