Building good credit really is not that hard. If you learn a few basic outlines to follow, with time you will have good credit.

1. Always pay your bills on time, this is a big one.

2. Never go over your credit limits, If you can, try not to use more than 35% of your credit limit. Creditors look at capacity usage, They might think that you are depending on your credit to get by.

From what I have learned it seems like banks love to lend to people who don't need the credit or money.

3.Try not to apply for to many credit accounts in a short period of time.

4. Keep your accounts open for long periods of time.