While most people these days are talking about how bad the credit card companies are, which they kinda are, and why no one should ever use a credit card, there are a few key points that people need to remember. Everything revolves around credit. Your house, cars, ability to get a student loan, cell phone, insurance rates, job applications, all revolve around your credit history and score. While you can get away without having any credit cards, it may not be the best move.
A good credit score can save you so much money over your life it is scary. A bad one can keep you out of a home, car, or even going to school. Every one at 18 should be responsible enough to use their credit, but that never seems to happen. Adults need to beat it into them how important it is to never be late on a payment.
So how do I get a good credit score?
Pay your bills on time. That is it. Easy, but so many people try to make it more complicated. Paying them on time will give you about 70% or more of your total credit score. Not hard, no need to pay money to hear people talk about it. Just pay your damn bills on time. Got it. Good.