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I have skimmed through this thread. My $0.02:
Get a credit card the day you turn 18. I got an Amex green card right after I turned 18 (they didn't have Optima or Blue or whatever back then - where did I leave my walker? lol) and immediately charged $2K for a computer - no problem. I paid it off in full when the bill arrived. Instant good credit record.
If you don't like annual fees (and who does?) get an Optima card, or a Visa or Mastercard. Charge a thing or three and pay in full. Instant good credit record.
If you are looking to finance a car or get a mortgage, don't have too much outstanding credit. Pay off cards you don't use and then cancel them. They'll still show up on your credit report, but they'll show as cancelled.
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AEΦ ... Multa Corda, Una Causa ... Celebrating Over 100 Years of Sisterhood
Have no place I can be since I found Serenity, but you can't take the sky from me...
Only those who risk going too far, find out how far they can go.
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