Oh...and did somebody say pay your bills, ALL OF THEM, on time?
And don't fall into the trap I was almost talked into early in life by non other than a JW who instructed me to run up all my credit, not pay for it, then, if you have to, file bankruptcy as a lot of them did during their rush headlong into the 1975 fiasco. You'll find yourself starting over and having to pay high interest all over again about every 7 to 10 years.