To establish good credit, you need a steady work record and continued residence at the same address. You also need to establish a good payment history with any creditors. Try not to have any late payments, and if you have credit cards try to keep your balance and less than 30% of your available credit.  If you do not have a checking account, open one and be careful not to bounce checks. Read more about establishing good credit by reaching out for expert financial guidance through GreenPath, who can provide you with free financial counseling. They can also be reached by phone at 601-649-7181 option 6.