You should always leave a floating amount in your checking account. Every time you go under that amount, deposit more money. Your credit record lists anyone with whom you have had credit dealings. The longer your credit has been extended and the larger amount you have been allowed to charge, the better your credit rating will be. The longer you are at a job and the higher you wages are, the higher your credit rating will be.
Occupations are also important.
Stable occupations improve credit ratings, as does more than 10 years employment. Utility companies will usually grant you credit if you have worked for the same employer for at least 18 months. You should find out if there are errors on your credit bureau file and correct them. A bad rating with the bureau can ruin your chances of getting credit. If you have accounts in good order, you will ensure a high rating.