The foundation for a good credit history lies with showing responsible behavior when it comes to finances. Good financial habits like borrowing only what you can afford, keeping your credits well within the specified limits, making on-time payments can go a long way. Do not exploit your credit capacity by opening multiple accounts right at the beginning. Paying your balance in full is another way to impress your creditors. Be loyal to your accounts, and let them grow old. This showcases consistency and adds to your credit reputation.