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How can I get and maintain a good credit score?

To get and keep a good credit score, start by paying your bills on time.
There is no secret formula for creating a robust credit score, but there are guidelines that can help you:

Pay your bills on time, all the time. One way to make sure your payments arrive on time is to set up automatic payments or set up electronic reminders. Also, try to pay more than the minimum amount if you can. If you have not made payments, catch up and stay current.
Do not approach the credit limit. Credit score models look at how close you are to "reaching the maximum," so try to keep your balances low in proportion to your total credit limit. Experts advise to keep the use of credit to no more than 30 percent of your total credit limit. It is not necessary to have cards with revolving credit to obtain a good score. Paying the balance every month is what helps you get the best scores.
A long credit history will help you with your score. Credit scores are based on experience over time. The more experience you have with getting credit and paying your bills on time, the more information you will have to determine if you can be given good credit.
Just ask for the credit you need. Credit scores look at your recent credit activity as an indicator of your credit need. If you apply for too much credit in a short period of time, it may seem to the lenders that your economic circumstances have changed negatively.
Check your credit report regularly. If you detect suspicious errors, impure them. If you have old credit card accounts that you are not using, be aware to make sure that an identity thief is not using them.
ADVICE

If you are new to credit issues, consider getting a product designed to help you establish and create credit. Financial institutions have developed a number of products and services, such as secured credit cards and loans to generate credit, designed to help new consumers establish and create credit.