You've found the perfect photo! Now it's time to give credit, which is called attribution in CC licenses.
Some questions to ask yourself:
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Where did you find the photo? eg. a website URL
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Who owns the photo? eg. a Flickr user
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What terms of use and/or license is the photo under? Are there specific attribution requirements laid out in the terms or license? eg. eg. All CC licenses require that you must attribute the work in the manner specified by the creator. CC licenses also require that if there is a copyright notice on the work (lots of people don't bother with copyright notices anymore, so don't worry if you can't find one) you need to include it in your attribution. You also need to link to the license URL, eg. URL for CC BY license is http://creativecommons.org/licenses/by/3.0.
Here is an example of good attribution: