whats the best way to get good credit and keep it?

Fr_Chuck

pay cash for everything, never borrow, that way you are never late, and don't need a credit rating since you are paying cash. you won't have a credit score but then you don't need one.

having a high credit score basicly means you have borrowed alot but within guilde lines of your income and have paid on time.

gazelleintense

very true. dave ramsey teaches you don't need credit, or a FICO score.... if you use cash.... Just don't borrow.... or if you borrow, borrow carefully... don't over borrow beyond your ability to repay in a short amount of time...

Like Larry Burkett use to say: "If you don't borrow money, you will never get in debt". And... "If you don't borrow more money, you won't get further into debt"...