For those with good credit , does it derive from having an abundance of money due to education with high pay, two workers in the home, or no dependants? If you are a single parent and do have decent credit ok how do you do it? Is direct bill pay the way? Just good habits, what’s your motivation. I need some tips! I am inthe process of re-establishing credit and wonder what habits others have that help keep them from crashing and burning when it comes to credit?