Building credit for somebody who did not have credit history before is tedious. I can't tell you how long I waited until something of a "history" came up and the credit score was not even worth mentioning, lol. It still is but I know eventually I will get to the top. When it will happen I don't have a clue. It does not help that I am not working nor do I go to school. Either of these two would have helped a lot but at the moment I don't have much choice so these two have to hover in the background until I am ready. Like what the tortoise said on the story, slow and steady wins the race. I hope I will win too and not incur any more debt along the way. Keeping my fingers crossed.