Someone always gotta come in and ruin shit saying something that has nothing to do with anything, heh.
Anyway, I was wondering the same thing at one point. I'm 23 (soon to be 24) and I want to have good credit for the future. In case I want to buy a house or anything else, ya know? I started working a full time job at 17 I believe and at that point, I didn't think much about my credit. Eventually I got a better job and I started to think about it. I don't like the idea of having credit cards. Some of my family has gone that route and has paid for it. Now they owe all kinds of money for that shit. That's not what I want to do. If I can't afford to buy something, i'm fine with not buying it.
That suggestion dilla gave was a good one. I've heard that from people as well. I haven't done it yet though. Only cause I really don't want a credit card. But if you get it and do what he said, you'll be good and you'll build up some credit at the same time. I needed a new computer, so I went to this place called Aarons and I pay so much a month on it. I did that instead of just buying one. So that should help me in a positive way once i'm done paying that off. I've never missed a payment and I don't plan to. That's another thing.. I don't miss payments on ANY THING. Not my phone, not my car, not my computer, insurance.. any thing.
I just got a brand new 2008 car back in April. I had a 2002 before that which I financed about a year and a half before. I didn't really have much credit and I was fairly new at my job still, so I didn't have much of a choice. I got help from a co-signer and I got it. I had nothing but problems with the car though and I felt after a year and a half of having it (and throwing a few THOUSAND into it), I should get rid of it.
I didn't expect to get a brand new car after that, but it seemed affordable after I did the math. Plus we all know starting over with a brand new car is MUCH better than starting with a used one. I pay a lot for my car plus insurance each month, but it works out ok for me anyway. I am in a serious relationship and I figured if I was gonna get a new car, it would be best off for me to get it now. It would definitely help my credit in the future. I think at one point too, the bank I got my last car loan from got bought by another bank and that counted as my car loan being paid for somehow. Then when I traded it in to get this new car, it was paid off again. So from what I hear and understand, that worked out well for me.
I do wanna see what my credit score is though. Sorry that was kind of long.
