Pay your bills on time and maintain a good credit record.

按时支付你的账单并且保持良好的信用记录。

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The creditors also point out that a delinquency, like a foreclosure, destroys a credit record.

债权人也指出拖欠账款，例如止赎是会破坏信用记录的。

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E.g. a home insurance policy rates and premiums will depend on what's inside your credit record.

例如，家财险保单费率和保费的厘定依赖于你的信用记录情况。

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Inquiries for new credit stay on your credit record for two years but impact your score for just a year.

WSJ: Getting Going: The New Credit-Card Rules

Your credit record will reveal how promptly you pay bills and cards.

BBC: A guide to money for young people

Use the credit card at least a couple of times a year and pay the bill online to show activity on your credit record.

WSJ: Getting Going: Managing Your Finances Abroad