Great question. Having a great credit score is critically important for many reasons - getting the credit you need, getting a good interest rate, and maybe even getting a job (yes, prospective employers may check your score!). The single most important thing you can do is pay all of your bills ON TIME - EVERY TIME!! Don't ever miss a payment, whether it's a mortgage payment, car payment, utility bill, student loan or credit card. Also, try to have a reasonable amount of credit cards - more than one, but not too many. And never spend money that you don't have or can't afford. That will just get you into trouble and start you down a path that will be difficult to get out of. And remember, if you ever get into a situation when you're considering personal bankruptcy, your credit score will be ruined for a long, long time. So, start smart - only spend what you can afford and never miss a payment. As for wanting an "above average waiting time" to make a first payment, well, forget it. It won't happen. You may be able to ask for your payments to be due at a specific time of the month, but that's it. Remember, if you can't afford to make the payment when due, don't spend the money or get the credit! Good luck, and spend wisely!!