Unless you were born in some remote location and lived off the grid your entire life, it’s not news to you that good credit is needed to function in today’s society. Your credit history is what indicates your trustworthiness to lenders, stores, and even employers and landlords. Bad credit or no credit is a major barrier preventing some from attaining good interest rates or securing a new lease agreement, among other things. There’s really no point in me stressing the utter importance of having a good credit score. That’s a given. But for those of you who fear having outstanding loans, balances on credit cards, or debt of any kind, how does one achieve good credit?