Establish checking and savings accounts

Here's a basic step that's sometimes overlooked by people seeking credit. Lenders see bank accounts as signs of stability.
Opening checking and savings accounts is also one of the few things you can do as a minor to start building a financial history. While you can't get a credit card in your own name until you're 18 and can be legally held to a contract, many banks have no problem letting you open an account.
If your bank balks, look around for another bank or consider opening a joint account with an adult