Best answer by Goran
Just from personal experience that I wish I knew better at 18, getting yourself a credit card and using it like cash in that ou only put on what you can pay off at the end of the billing cycle will do the most for your credit score growth. Don't keep a balance from month to month and as your credit limit grows if you must carry a balance forward, make sure it's under 40%. Again, I cannot stress this enough, unless it's an actual emergency (like you will be evicted or you're not gonna eat for a week emergency) don't put on what you can't pay off when your bill comes up. Before you know it, you'll have an excellent credit score. Sadly it has such a huge impact and you gotta play this game. Look into automatic bill payments to make sure you don't forget and make sure your account has the funds so Yu don't get hit with NSF fees. You'll learn real fast at 40 bucks + an incident if you don't.