Here are some tips on what you should do
to establish and maintain a good credit history:
Pay your bills on time.
Try to pay your bills in full by the due
date. If you aren't able to do this, pay at least the
required minimum amount shown on your monthly credit
Contact your creditors if you are having
trouble making payments.
Make sure that your monthly account
statement is correct.
Read the statements and other material you
receive from your credit card company carefully. Keep up to
date on any fee increases or changes in your card's terms
Deal with companies you know and trust.
Get a copy of your credit report from all three
credit-reporting agencies at least once a year and make sure
they are accurate.
Here are some tips on what you should avoid:
Don't accept or use any form of credit until you
understand and are comfortable with its terms and conditions, to
avoid any misunderstandings between you and the credit issuer.
Don't wait to report any unauthorized transactions
on your account. Contact your credit issuer immediately if your
statement arrives with transactions you do not recognize.
Don't go over the credit limit on your credit card.