What's the best way to get good credit and keep it?

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 basically means you have borrowed a lot but within guilde lines of your income and have paid on time.

Very thank you

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"...