[mseebach]

Get a free credit card, put a little spend on it every month, and pay it down every month. Yes, it will take a little bit of discipline, but showing discipline is what having a good credit rating is all about.

You won't pay any interest or fees, and it will go a long way to establish a positive credit record which will come in handy if you will need real credit down the line. Even if you think you won't, having options is always better than not having them,