I am 35 with perfect credit the highest! I know what your thinking...I am not rich by any means! My mom gave me the best advise when I turned 18 and I’ll pass that on to you! They want to see you pay off debt repeatedly every month debt can mean anything from $1.00 to infinity. So the fasted way I was able to start building and raising my score from an early age was to open a credit card or two! YOU HAVE TO HAVE A PLAN and most importantly SELF CONTROL! I would take my credit cards that of corse had super high interest rates and once a month I would use them in a gas station to buy a soda or candy bar 5.00 purchase! And then I would go home and pay it off at my computer right away. Do this with 2 cards once a month and pay it off right away. Paying it down to zero once a month will avoid you paying any interest at all meaning zero interest! Easy as that! Like I said all they want to see is action on your card so use it for a small amount and pay it off right away back down to zero! Watch your score grow but most importantly never cancel a card! Having a card open for years raises your score too! If you don’t want to use a card anymore put it in a drawer Instead. This is the best advise I can give anyone... remember you don’t have to spend a lot of money to gain credit it can literally be a soda or a candy bar! Keep it manageable and don’t lose control!