Build a Good Credit History

Without a credit rating, few institutions will lend you money.

Building a good credit rating is not rocket science.
Take a step in that direction by:

Paying your bills and loans on time, and as promptly as possible
Only borrowing what you need and what you can afford to pay back
Avoiding prolonged "easy terms" and having to refinance at higher interest rates.
Never signing a blank form. Remember: a contract is a legal document. Always read and understand the fine print.