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No doubt, all of us want to have a good credit history.  The truth is, building good credit doesn’t need to be complicated.  When applying for credit it is important to know your limitations as a borrower, always be aware of your payment schedules, and submit your payments on time.  Check out these 10 simple and practical steps to good credit:Open a savings account.Apply for a department store card.Understand how your credit score is calculated.Always submit your payments on time.Do not max out your credit limit.Pay off your credit card balance in full each month.Ask someone with good credit to cosign for you.Use your credit cards with caution.Check your accounts regularly.Create a budget plan.