Its the quickest way to build up your credit score. You can get one of those secured lines of credit where your credit limit is based on your deposit, say like $200. Capital One has a good one. Keep your balance under 20% of your credit limit and pay all your bills on time. If you follow this formula and you don't have any charge offs or collections, you'll have excellent credit. Also don't apply for any credit that you don't need, i.e. department store charge cards and things like that.