How to get a good personal credit record

If possible, as soon as possible to build your credit record. The simplest way is the relationship with a bank loan, for example, can apply for a credit card or bank loan. Would like to clarify here is: do not borrow money from banks like Credit is not the same. Because there is no historical record of the credit, banks will lose one of your credit situation to determine the easy way.
If you have money in arrears, the arrears will be paid as soon as possible. You also need to build their own (pay), plans to return in time credit card loans and overdrafts amount of time to pay various fees. Otherwise, a delinquent borrower, and so on will be accurately reflected in your credit report, your credit activity adversely affected.
If you have established credit file, please be concerned about their credit records. Due to some unavoidable reasons, the credit report information may be wrong. Once their personal credit records of the error as soon as possible to provide contact credit reporting agencies, in a timely manner to correct the wrong information, so as not to be adversely affected their own.