by 
shrek
ANSWERS: 2
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It's hard but possible simply don't open any credit cards, buy a home, new car, or get sick. Of course without any debt of any kind it is impossible to accrue good credit.
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yea it is. first rule: only spend what you have even when using credit. be smart with how you use your credit. you need not be in debt to have a good credit. i work for a credit card company and here's something really smart and wise ppl do regardless how low their credit line they use that card to pay a bill or 2 and so as to never get late on the payment enroll that account on an autopayment system and pay it in full each month. the same goes for their other credit cards. good credit score has got nothing to do with how big your income but rather how you handle your income.
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