I have been a long time reader of this forum. However new to credit as i just turned 18 about a month ago. In the last month i have apped and been approved for a new-to-me car ( with a cosigner) A capital one secured master card, $200 line of credit for a $99 deposite and A visa credit card through my local credit union with a $500 limit ( on my own) i am also an authorized user on a small sears mastercard for about 6 months now. . so far i think i have done everything i could to start my credit. any suggestions would be helpful and appreciated. 
@Anonymous wrote:I have been a long time reader of this forum. However new to credit as i just turned 18 about a month ago. In the last month i have apped and been approved for a new-to-me car ( with a cosigner) A capital one secured master card, $200 line of credit for a $99 deposite and A visa credit card through my local credit union with a $500 limit ( on my own) i am also an authorized user on a small sears mastercard for about 6 months now. . so far i think i have done everything i could to start my credit. any suggestions would be helpful and appreciated.
Other than the obvious? Be responsible with your credit, don't abuse it, don't spend above your means, etc. You'll be fine.
@Anonymous wrote:
@Anonymous wrote:I have been a long time reader of this forum. However new to credit as i just turned 18 about a month ago. In the last month i have apped and been approved for a new-to-me car ( with a cosigner) A capital one secured master card, $200 line of credit for a $99 deposite and A visa credit card through my local credit union with a $500 limit ( on my own) i am also an authorized user on a small sears mastercard for about 6 months now. . so far i think i have done everything i could to start my credit. any suggestions would be helpful and appreciated.
Other than the obvious? Be responsible with your credit, don't abuse it, don't spend above your means, etc. You'll be fine.
+1
Let the accounts age.
Don't apply for too much credit too fast.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:I have been a long time reader of this forum. However new to credit as i just turned 18 about a month ago. In the last month i have apped and been approved for a new-to-me car ( with a cosigner) A capital one secured master card, $200 line of credit for a $99 deposite and A visa credit card through my local credit union with a $500 limit ( on my own) i am also an authorized user on a small sears mastercard for about 6 months now. . so far i think i have done everything i could to start my credit. any suggestions would be helpful and appreciated.
Other than the obvious? Be responsible with your credit, don't abuse it, don't spend above your means, etc. You'll be fine.
+1
Let the accounts age.
Don't apply for too much credit too fast.
Yeah, this too.
A huge mistake for young people is to actually have too much credit available to them. it's an easy (and a lot of times, sure-fire) way to get into a massive amount of debt; I learned the hard way. Then, the logic is "Meh, I'll pay it off when I'm out of college and have a good job." Trust me when I say this is harder than it sounds, because the more money you make, the more you want to spend.
Take the accounts you have, use them responsibly, pay in full and don't rack up debt. Your scores will shoot up and in a couple of years, you'll easily be able to get prime credit.
Just be careful- Too much of something can hurt in the long run.. pay attention to what you spend and on what you are spending it on.. It's very easy to forget a transaction here and there.. and before you know it- you can't PIF because you've overspent 
@Anonymous wrote:Just be careful- Too much of something can hurt in the long run.. pay attention to what you spend and on what you are spending it on.. It's very easy to forget a transaction here and there.. and before you know it- you can't PIF because you've overspent
So true.